Traduction de «national association bank servicers » (Anglais → Français) :

AD. whereas in the area of monetary policy the provisions concerning the ECB foresee a differentiation in the institutional structure, with the Governing Council as the main decision-making body with members only from Member States whose currency is the euro and the General Council associating the non-euro Member States, as well as in the financial structure, with the national central banks of all Member States as subscribers to the capital of the ECB (Article 28.1 of the ECB Statute), but with only the national central ...[+++]banks of the Member States whose currency is the euro paying up their subscribed share of the capital of the ECB (Article 48.1 of the ECB Statute);

Commission initiatives such as Europe Direct or SOLVIT and national institutions such as financial ombudsmen and consumer organisations which receive complaints from citizens about access to banking services should also inform the Commission of their findings and conclusions, as these reflect the problems encountered by ordinary citizens and consumers.

35. Requests that the Commission provide a comprehensive study of retail financial services with a special emphasis on banking services in the various Member States which identifies the major barriers to competition and further integration, including cultural or social differences; recognises that a low level of cross-border activity does not imply a lack of competition in national retail markets; also recognises the importance of freedom of establis ...[+++]hment in enabling market participants to be highly active in many different national markets for retail services, even where cross-border trade is limited;

The Commission's investigation, based on surprise inspections at a number of banks and on replies to questionnaires sent to most euro-zone banks, has showed that banks and national associations may have colluded to keep the commissions at a high level or to control their decrease.

The Commission has been able to adopt a favourable decision in this case because the Associated Banks had already voluntarily abandoned agreements on commissions for services to customers which previously existed between them.

These include: - discussions with its two consultative groups (the Payments Systems Technical Development Group and the Payment Systems Users Liaison Group) on the ways in which the payment systems can best be prepared for the introduction of the Ecu - rapid progress, in the framework of an existing Task Force of government experts, on harmonising procedures for reporting cross- border credit transfers for the purposes of compiling balance of payments statistics (the Commission wants transactions below 10,000 Ecus exempted) - continuing discussions with Member State legal experts, central bank representatives and the EMI on harmonising t ...[+++]he legal framework for cross-border payments, in particular settlement finality for credit transfers (a Directive on settlement finality could be proposed in 1995) - maintaining contact with interested parties on the establishment of linkages between automatic clearing houses (ACHs, which process payments transfers at the national level) to assess how best to contribute to progress in this area - consulting with the Commission's two consultative groups on the results of an independent study to be completed in June 1995 on the information given to customers when using payment cards for cross-border payments (so-called face-to-face payments), and assessing the appropriate follow-up measures - launching a study on the regulatory implications for the EU of the use of pre-paid payment cards, particularly as regards the stability of the banking system, consumer protection and the promotion of interoperable cross-border banking services.