{"id":4556,"date":"2026-02-23T10:43:39","date_gmt":"2026-02-23T09:43:39","guid":{"rendered":"https:\/\/www.betaalvereniging.nl\/en\/?page_id=4556"},"modified":"2026-04-23T15:12:50","modified_gmt":"2026-04-23T13:12:50","slug":"consultations","status":"publish","type":"page","link":"https:\/\/www.betaalvereniging.nl\/en\/association\/consultations\/","title":{"rendered":"Consultations"},"content":{"rendered":"\n\t<div data-name=\"acf\/hero\" class=\"alignfull mt-0\">\n\t\t<div data-component=\"hero-image-square\" class=\"bg-ocean-50\">\n\t<div class=\"flex flex-col items-center py-8 md:py-12 gap-8 md:gap-16 lg:gap-24 ll-container md:flex-row\">\n\t\t<div class=\"w-full space-y-4 \">\n\t\t\t<h1 class=\"text-xl sm:text-2xl font-normal lg:text-3xl\">Consultations<\/h1>\n\n\t\t\t\t\t\t\t<div class=\"space-y-10\">\n\t\t\t\t\t<div class=\"text-lg\">\n\t\t\t\t\t\t<p>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.<br \/>\n<br \/>\n<em>Last updated: April 23, 2026<\/em><\/p>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div class=\"relative -translate-x-[5%] aspect-552\/480 w-[80%] max-w-[306px] md:max-w-[266px] lg:max-w-[294px]\">\n\t\t\t\t<div class=\"relative w-full h-full overflow-hidden image:absolute image:h-full image:w-full image:object-cover image:mask-hexagon\">\n\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"273\" src=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consultaties-crop-768x273-1.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"eager\" srcset=\"https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consultaties-crop-768x273-1.png 768w, https:\/\/www.betaalvereniging.nl\/en\/wp-content\/uploads\/sites\/4\/2025\/09\/Consultaties-crop-768x273-1-300x107.png 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\n\t\t\t\t<\/div>\n\t\t\t\t<span class=\"absolute right-0 top-0 w-auto h-full translate-x-[20%] svg:h-full svg:w-auto\" aria-hidden=\"true\">\n\t\t\t\t\t<svg aria-hidden=\"true\" width=\"263\" height=\"480\" viewBox=\"0 0 263 480\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n<path opacity=\"0.8\" d=\"M108.671 0.337891C118.22 0.337891 130.762 7.5647 135.698 15.7659L259.419 224.775C264.194 232.895 264.194 247.105 259.419 255.225L135.698 464.234C130.843 472.435 118.22 479.662 108.671 479.662H0L141.928 240.122L0.404557 0.337891H108.59H108.671Z\" fill=\"url(#paint0_linear_6455_12637)\"\/>\n<defs>\n<linearGradient id=\"paint0_linear_6455_12637\" x1=\"57.5093\" y1=\"0.337898\" x2=\"361.898\" y2=\"138.726\" gradientUnits=\"userSpaceOnUse\">\n<stop stop-color=\"#CFFDC0\"\/>\n<stop offset=\"1\" stop-color=\"#6FB6E3\"\/>\n<\/linearGradient>\n<\/defs>\n<\/svg>\n\n\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-current-consultations\">Current consultations<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On March 16, the <strong>Ministry of Finance<\/strong> published the consultation <a href=\"https:\/\/www.internetconsultatie.nl\/besluitchartaal\/b1\" id=\"https:\/\/www.internetconsultatie.nl\/besluitchartaal\/b1\" target=\"_blank\" rel=\"noreferrer noopener\">\u201cDecision on Cash Payments (<em>Besluit chartaal betalingsverkeer<\/em> in Dutch).\u201d<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> This decision contains detailed rules regarding access to cash and the continuity of cash transport. The deadline for this consultation is <strong>April 27, 2026<\/strong>. The Dutch Payments Association <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/04\/260422-Reactie-Betaalvereniging-besluit-chartaal.pdf\">has responded (in Dutch) to this consultation on 22 April<\/a>, in cooperation with some members.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a public consultation on the <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/public-consultation\/public-consultation-interoperability-payment-solutions-based\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/public-consultation\/public-consultation-interoperability-payment-solutions-based\" target=\"_blank\" rel=\"noreferrer noopener\">interoperability of payment solutions based on the SCT Inst scheme at the Point of Interaction (POI)<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. 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\u2019s potential role in this regard. Interested parties may submit their responses until 6:00 p.m. (Brussels time) on <strong>April 10, 2026<\/strong>.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-credit-transfer-rulebook-public-consultation-document-2026-change\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-credit-transfer-rulebook-public-consultation-document-2026-change\" target=\"_blank\" rel=\"noreferrer noopener\">public consultation on potential changes to the SEPA Credit Transfer (SCT) Rulebook<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. 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 <strong>June 11, 2026<\/strong>.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-instant-credit-transfer-rulebook-public-consultation-document-2026\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-instant-credit-transfer-rulebook-public-consultation-document-2026\" target=\"_blank\" rel=\"noreferrer noopener\">public consultation on potential changes to the SEPA Instant Credit Transfer (SCT Inst) Rulebook<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. 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 <strong>June 11, 2026<\/strong>, at 5:00 p.m. CET.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-direct-debit-core-rulebook-public-consultation-document-2026-change\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-direct-debit-core-rulebook-public-consultation-document-2026-change\" target=\"_blank\" rel=\"noreferrer noopener\">public consultation on potential changes to the SEPA Direct Debit (SDD) Core Rulebook<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. 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 <strong>June 11, 2026<\/strong>, at 5:00 p.m. CET.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-direct-debit-business-business-rulebook-public-consultation\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/sepa-direct-debit-business-business-rulebook-public-consultation\" target=\"_blank\" rel=\"noreferrer noopener\">public consultation on potential changes to the SEPA Direct Debit (SDD) Business-to-Business (B2B) Rulebook<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. 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 <strong>June 11, 2026<\/strong>.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/one-leg-out-instant-credit-transfer-rulebook-public-consultation-0\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/document-library\/rulebooks\/one-leg-out-instant-credit-transfer-rulebook-public-consultation-0\" target=\"_blank\" rel=\"noreferrer noopener\">public consultation on potential changes to the One-Leg Out instant payment (OCT Inst) Rulebook<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. 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 <strong>June 11, 2026<\/strong>, at 5:00 p.m. CET.<\/li>\n\n\n\n<li>The <strong>European Payments Council<\/strong> (EPC) has launched a <a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/public-consultation-change-requests-verification-payee-vop-rulebook-v2\" id=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/public-consultation-change-requests-verification-payee-vop-rulebook-v2\" target=\"_blank\" rel=\"noreferrer noopener\">public consultation on proposed changes to version 2.0 of the Verification of Payee (VOP) Rulebook<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a>. This consultation is part of the EPC\u2019s regular change management process for its payment schemes. Interested parties may submit comments until <strong>June 30, 2026<\/strong>, at 6:00 p.m. CET.<\/li>\n<\/ul>\n\n\n\n\t<div data-name=\"acf\/accordion\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Recently closed consultations<\/h2>\n\t\t\t\n\t\t\t\n<ul data-component=\"accordion\" class=\"flex flex-col gap-2\">\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tImplementation decision on the revised Consumer Credit Directive\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>The decision sets out rules for offering consumer credit. These include rules on when a credit provider must check a customer&#8217;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.<\/p>\n<ul>\n<li data-start=\"921\" data-end=\"950\">\n<p data-start=\"923\" data-end=\"950\"><strong>Deadline:<\/strong> February 2, 2026<\/p>\n<\/li>\n<li data-start=\"921\" data-end=\"950\">\n<p data-start=\"923\" data-end=\"950\"><strong>Organization:<\/strong> Ministry of Finance<\/p>\n<\/li>\n<li data-start=\"951\" data-end=\"1010\">\n<p data-start=\"953\" data-end=\"1010\"><strong><a href=\"https:\/\/www.internetconsultatie.nl\/implementatiebesluitrichtlijnconsumentenkrediet\/b1\" target=\"_blank\" rel=\"noopener\">View the public consultation<span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/strong> (in Dutch)<\/p>\n<\/li>\n<li data-start=\"951\" data-end=\"1010\"><strong><a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/260202-Reactie-BVN_NVB_CCDII.pdf\" target=\"_blank\" rel=\"noopener\">Read the joint response from the Dutch Payments Association and NVB<\/a><\/strong> (in Dutch)<\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tImplementation Act for the revised Consumer Credit Directive\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>&nbsp;<\/p>\n<p>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.<\/p>\n<ul>\n<li><strong>Deadline:<\/strong> May 13, 2025<\/li>\n<li><strong>Organization:<\/strong> Ministry of Finance, Ministry of Justice and Security<\/li>\n<li><a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetccdii\/b1\" target=\"_blank\" rel=\"noopener\"><strong>View the public consultation<\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch)<\/li>\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/CCD-II-consultatiereactie-BVN-en-NVB.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Read the joint response from the Dutch Payments Association and NVB<\/strong><\/a> (in Dutch)<\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tImplementing Act and Implementing Decree for the Regulation on instant transfers in euros\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<p>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&#8217;s account within seconds.<\/p>\n<ul>\n<li><b>Deadline:<\/b> October 20, 2024<\/li>\n<li><b>Organization<\/b>: Ministry of Finance<\/li>\n<li><a href=\"https:\/\/www.internetconsultatie.nl\/instantovermakingen\/b1\" target=\"_blank\" rel=\"noopener\"><strong>View the public consultation<\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch)<\/li>\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Reactie-Betaalvereniging-Nederland-Uitvoeringswet-en-Uitvoeringsbesluit-verordening-instantovermakingen-in-euros.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Read the response from the Dutch Payments Association<\/strong><\/a> (in Dutch)<\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tSEPA Request-to-Pay scheme Rulebook change requests\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li><b>Deadline:<\/b> June 9, 2024<\/li>\n<li><b>Organization<\/b>: European Payments Council (EPC)<\/li>\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/public-consultation-sepa-request-pay-scheme-rulebook-change-requests\" target=\"_blank\" rel=\"noopener\"><strong>View the public consultation<\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/EPC029-24-v1.0-Response-template-SRTP-Scheme-Rulebook-2024-CR-Public-Consultation.website.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Read the response from the Dutch Payments Association<\/strong><\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tChange requests for the EPC payment scheme rulebooks\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li><b>Deadline:<\/b> June 9, 2024<\/li>\n<li><b>Organization<\/b>: European Payments Council (EPC)<\/li>\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/public-consultation-change-requests-epc-payment-scheme-rulebooks\" target=\"_blank\" rel=\"noopener\"><strong>View the public consultation<\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n<h4>Responses from the Dutch Payments Association<\/h4>\n<ul>\n<li data-start=\"558\" data-end=\"611\">\n<p data-start=\"560\" data-end=\"611\">SEPA Credit Transfer rulebook \u2013 <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/EPC011-24_SCT_2024_ResponseDPA.pdf\" target=\"_blank\" rel=\"noopener\">Read our response<\/a><\/p>\n<\/li>\n<li data-start=\"612\" data-end=\"673\">\n<p data-start=\"614\" data-end=\"673\">SEPA Instant Credit Transfer rulebook \u2013 <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/EPC012-24_SCTInst_2024_ResponseDPA.pdf\" target=\"_blank\" rel=\"noopener\">Read our response<\/a><\/p>\n<\/li>\n<li data-start=\"674\" data-end=\"729\">\n<p data-start=\"676\" data-end=\"729\">SEPA Direct Debit Core rulebook \u2013 <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/EPC013-24_SDDCore_2024_ResponseDPA.pdf\" target=\"_blank\" rel=\"noopener\">Read our response<\/a><\/p>\n<\/li>\n<li data-start=\"730\" data-end=\"784\">\n<p data-start=\"732\" data-end=\"784\">SEPA Direct Debit B2B rulebook \u2013 <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/EPC014-24_SDDB2B_2024_ResponseDPA.pdf\" target=\"_blank\" rel=\"noopener\">Read our response<\/a><\/p>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\tVerification Of Payee Scheme Rulebook\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li><b>Deadline:<\/b> May 19, 2024<\/li>\n<li><b>Organization<\/b>: European Payments Council (EPC)<\/li>\n<li><a href=\"https:\/\/www.europeanpaymentscouncil.eu\/news-insights\/news\/public-consultation-verification-payee-scheme-rulebook\" target=\"_blank\" rel=\"noopener\"><strong>View the public consultation<\/strong><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<li><a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Dutch-Payments-Association-Consultation-Response-VOP-Scheme-Rulebook.pdf\" target=\"_blank\" rel=\"noopener\"><strong>Read the response from the Dutch Payments Association<\/strong><\/a><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n\n\n\n\t<div data-name=\"acf\/accordion\" >\n\t\t<div class=\"space-y-4\">\n\t\t\t\t\t\t\t<h2 class=\"mb-4 text-xl md:text-2xl break-words\">Archive of responses to consultations<\/h2>\n\t\t\t\n\t\t\t\n<ul data-component=\"accordion\" class=\"flex flex-col gap-2\">\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2024\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Reactie-Betaalvereniging-wet-chartaal_8maart24.pdf\" target=\"_blank\" rel=\"noopener\"><b>\u201cInternet consultation on the Cash Payments Act\u201d<\/b><\/a> (in Dutch)<\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2023\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/DPA-Have-Your-Say-PSR-21731.pdf\" target=\"_blank\" rel=\"noopener\"><b>the European Commission&#8217;s proposal for a Payment Services Regulation (PSR)<\/b><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/DPA-Have-Your-Say-PSD321732.pdf\" target=\"_blank\" rel=\"noopener\"><b>the European Commission&#8217;s proposal for a new Payment Services Directive (PSD3)<\/b><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/230104-EC-SCT-Inst-proposal-DPA-reaction.pdf\" target=\"_blank\" rel=\"noopener\"><b>\u201cEuropean Commission proposal for legislation and regulations to introduce instant payments quickly and widely across the eurozone\u201d<\/b><\/a><\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2022\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Consultation-SPAA-scheme-rulebook-response-Dutch-Payments-Association.pdf\" target=\"_blank\" rel=\"noopener\"><b>\u201cpublic consultation on the SEPA Payment Account Access Scheme Rulebook\u201d<\/b><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Consultation-SPAA-possibile-additional-functionality-response-Dutch-Payments-Association.pdf\" target=\"_blank\" rel=\"noopener\"><b>\u201ca possible additional functionality of the SEPA Payment Account Access (SPAA) Scheme\u2019s Rulebook\u201d<\/b><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Reactie-Betaalvereniging-op-Consultatie-Implementatiewet-herziene-richtlijn-betaaldiensten.pdf\" target=\"_blank\" rel=\"noopener\"><b>\u201cImplementation decision on accessibility requirements for banking services\u201d<\/b><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Targeted-consultation-on-the-review-of-the-revised-payment-services-Directive.pdf\" target=\"_blank\" rel=\"noopener\"><b>\u201cTargeted consultation on the review of the revised Payment Services Directive (PSD2)\u201d<\/b><\/a><\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2021\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to the <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/Feedback-on-draft-proposal-DORA_final.pdf\" target=\"_blank\" rel=\"noopener\"><b>Digital Operational Resilience Act (DORA), on digital operational resilience for the EU financial services sector<\/b><\/a><\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2017\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/Reply-Dutch-Payments-Association_EBA-Cons-Draft-RTS-and-ITS-of-the-electronic-EBA-register-under-PSD2_FINAL.pdf\" target=\"_blank\" rel=\"noopener\"><b>EBA consultation on \u201cTechnical Standards on the EBA Register under PSD2\u201d<\/b><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.internetconsultatie.nl\/wetgdi\/reactie\/2f524b7e-852d-4fbe-b420-8de6beca64ef\" target=\"_blank\" rel=\"noopener\"><b>draft proposal \u201cGDI, Generic Digital Infrastructure Act, digital access to government services\u201d<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2016\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewetherzienerichtlijnbetaaldiensten\/reactie\/59561\/bestand\" target=\"_blank\" rel=\"noopener\"><b>draft proposal for the Implementation Act for the revised Payment Services Directive (PSD2)<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.eba.europa.eu\/regulation-and-policy\/payment-services-and-electronic-money\/guidelines-on-the-criteria-on-how-to-stipulate-the-minimum-monetary-amount-of-the-professional-indemnity-insurance-under-psd2?p_p_auth=Vj8uwZyl&amp;p_p_id=169&amp;p_p_lifecycle=0&amp;p_p_state=maximized&amp;p_p_col_id=column-2&amp;p_p_col_pos=1&amp;p_p_col_count=2&amp;_169_struts_action=%2Fdynamic_data_list_display%2Fview_record&amp;_169_recordId=1677346&amp;_169_redirect=https%3A%2F%2Fwww.eba.europa.eu%2Fregulation-and-policy%2Fpayment-services-and-electronic-money%2Fguidelines-on-the-criteria-on-how-to-stipulate-the-minimum-monetary-amount-of-the-professional-indemnity-insurance-under-psd2%2F-%2Fregulatory-activity%2Fconsultation-paper%2F1586016\" target=\"_blank\" rel=\"noopener\"><b>EBA consultation on \u201cGuidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance under PSD2\u201d<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.eba.europa.eu\/regulation-and-policy\/payment-services-and-electronic-money\/regulatory-technical-standards-on-strong-customer-authentication-and-secure-communication-under-psd2?p_p_auth=2KU3vcyj&amp;p_p_id=169&amp;p_p_lifecycle=0&amp;p_p_state=maximized&amp;p_p_col_id=column-2&amp;p_p_col_pos=1&amp;p_p_col_count=2&amp;_169_struts_action=%2Fdynamic_data_list_display%2Fview_record&amp;_169_recordId=1614807&amp;_169_redirect=https%3A%2F%2Fwww.eba.europa.eu%2Fregulation-and-policy%2Fpayment-services-and-electronic-money%2Fregulatory-technical-standards-on-strong-customer-authentication-and-secure-communication-under-psd2%2F-%2Fregulatory-activity%2Fconsultation-paper%2F1548180)\" target=\"_blank\" rel=\"noopener\"><b>EBA Consultation Paper on \u201cRTS specifying the requirements on strong<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> customer authentication and common and secure communication under PSD2<\/li>\n<li>Response to <a href=\"https:\/\/www.eba.europa.eu\/regulation-and-policy\/payment-services-and-electronic-money\/guidelines-on-major-incidents-reporting-under-psd2?p_p_auth=5UGRdnb9&amp;p_p_id=169&amp;p_p_lifecycle=0&amp;p_p_state=maximized&amp;p_p_col_id=column-2&amp;p_p_col_pos=1&amp;p_p_col_count=2&amp;_169_struts_action=%2Fdynamic_data_list_display%2Fview_record&amp;_169_recordId=1773671&amp;_169_redirect=https%3A%2F%2Fwww.eba.europa.eu%2Fregulation-and-policy%2Fpayment-services-and-electronic-money%2Fguidelines-on-major-incidents-reporting-under-psd2%2F-%2Fregulatory-activity%2Fconsultation-paper%2F1688807\" target=\"_blank\" rel=\"noopener\"><b>EBA consultation on \u201dGuidelines on major incidents reporting under PSD2&#8243;<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<li>Response to <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiebesluitrichtlijnbetaalrekeningen\/reactie\/57203\/bestand\" target=\"_blank\" rel=\"noopener\"><b>draft proposal for Implementation Decree on Payment Accounts Directive<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a><\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t\t\t<li class=\"\">\n\t\t\t<details  class=\"group bg-ocean-50 hocus:bg-ocean-100 transition-colors\">\n\t\t\t\t<summary class=\"flex items-center justify-between gap-2 p-4 list-none cursor-pointer md:py-6\">\n\t\t\t\t\t<h3 class=\"font-bold md:text-md group-hover:underline group-focus-within:underline\">\n\t\t\t\t\t\t2015\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t\t\t\t\t\t<svg class=\"transition group-open:rotate-90\" aria-hidden=\"true\" width=\"18\" height=\"18\" viewBox=\"0 0 18 18\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t\t\t\t<path d=\"M8.29688 0.5625H9.70312C9.82812 0.5625 9.89062 0.625 9.89062 0.75V17.25C9.89062 17.375 9.82812 17.4375 9.70312 17.4375H8.29688C8.17188 17.4375 8.10938 17.375 8.10938 17.25V0.75C8.10938 0.625 8.17188 0.5625 8.29688 0.5625Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t\t<path class=\"transition group-open:opacity-0\" d=\"M1.125 8.10938H16.875C17 8.10938 17.0625 8.17188 17.0625 8.29688V9.70312C17.0625 9.82812 17 9.89062 16.875 9.89062H1.125C1 9.89062 0.9375 9.82812 0.9375 9.70312V8.29688C0.9375 8.17188 1 8.10938 1.125 8.10938Z\" fill=\"currentColor\"\/>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/summary>\n\n\t\t\t\t<div class=\"px-4 pb-4 -mt-2 md:pb-6 ll-wysiwyg last:!mb-0\">\n\t\t\t\t\t<ul>\n<li>Response to <a href=\"https:\/\/www.internetconsultatie.nl\/implementatiewettoegangbasisbankrekening\/reactie\/40092\/bestand\" target=\"_blank\" rel=\"noopener\"><b>draft proposal for the Implementation Act on Access to Basic Bank Accounts<\/b><span class=\"sr-only\">(opens in new window)<\/span> <span class=\"icon inline-block ml-1 w-[0.875em]\" aria-hidden=\"true\"><svg aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" fill=\"#000000\" viewBox=\"0 0 256 256\"><path d=\"M228,104a12,12,0,0,1-24,0V69l-59.51,59.51a12,12,0,0,1-17-17L187,52H152a12,12,0,0,1,0-24h64a12,12,0,0,1,12,12Zm-44,24a12,12,0,0,0-12,12v64H52V84h64a12,12,0,0,0,0-24H48A20,20,0,0,0,28,80V208a20,20,0,0,0,20,20H176a20,20,0,0,0,20-20V140A12,12,0,0,0,184,128Z\"><\/path><\/svg><\/span><\/a> (in Dutch)<\/li>\n<li>Response to <a href=\"https:\/\/www.betaalvereniging.nl\/wp-content\/uploads\/2026\/02\/AR-2016-xx-Reactie-Betaalvereniging-op-Green-Paper-on-retail-financial-services_bijlage-Definitieve-reactie-16-maart-2016.pdf\" target=\"_blank\" rel=\"noopener\"><b>the European Commission&#8217;s Green Paper on \u201cRetail financial services: better products, more choice, and greater opportunities for consumers and businesses\u201d<\/b><\/a><\/li>\n<\/ul>\n\n\t\t\t\t<\/div>\n\t\t\t<\/details>\n\t\t<\/li>\n\t<\/ul>\n\t\t<\/div>\n\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Current consultations<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":28,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"editor_notices":[],"footnotes":""},"btv_subject_tax":[],"class_list":["post-4556","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin  - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Consultations - Dutch Payments Association<\/title>\n<meta name=\"description\" content=\"Overview of consultations by the Dutch Payments Association, including current, closed and archived responses on payments legislation.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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