This proposal for a directive is still being considered by the Council.

Second , the proposed directive does not address the different categories of risks associated with payment services .

The proposed directive is a very welcome initiative , as it establishes a comprehensive legal framework for payment services in the EU .

The Commission departments are currently in contact with the US administration with regard to the technical aspects and scope of President Bush's proposal.

General observations 1.1 The proposed directive is a very welcome initiative , as it establishes a comprehensive legal framework for payment services in the EU .

Included are agents commissions , insurance brokering and agency services , insurance and pension consultancy services , evaluation and adjustment services , actuarial services , salvage administration services , and regulatory and monitoring services on indemnities and recovery services .

Under Article 2 , the proposed directive applies to an exhaustive list of business activities defined as payment services and listed in the Annex to the proposed directive .

EN This proposed amendment of the CRD complements the Commission Recommendation on remuneration policies in the financial services sector .

The last indent of Article 1 of the proposed directive provides that central banks acting as monetary authorities and public authorities which provide payment services are not considered to be payment service providers .

Since the objectives of the proposed action , that is to say , the establishment of a single market in payment services , cannot be sufficiently achieved by the Member States because it requires the harmonisation of a multitude of different rules currently existing in the legal systems of the various Member States and can therefore be better achieved at Community level , the Community may adopt measures , in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty .

Moreover , it is a major step forward towards the establishment of essential monthly and quarterly turnover and output price statistics on services .

The recent proposal by Michel Barnier, the European Commissioner for the Internal Market and Services, is an effort to implement this solution.

Regarding the services turnover variable , the proposed regulation shortens the transmission deadline from three to two months , which is welcomed .

Postal Services ( code 958 ) Includes poste restante services , telegram services and post office counter services , such as sales of stamps , money orders etc. Postal services are often , but not exclusively , supplied by national postal administrations .

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Furthermore , the proposed directive responds to one of the objectives of the financial services action plan , i.e. the setting of common rules to prevent market players from rigging the market .

The ECB also supports the planned feasibility studies concerning compiling services turnover variables at a monthly frequency .

Why, then, was the European Commission s proposed services directive, which would ensure freedom to supply services across the Union to all EU companies, vilified as the Frankenstein directive ?

Any change in the contractual conditions communicated to the payment service user pursuant to Article 31 ( 1 ) shall be proposed by the payment service provider in the same way as provided for in Articles 30 ( 1 ) and 31 ( 2 ) and not less than one month before the date of its proposed application .

28 April 2006 The European Central Bank opinion on the proposed directive on payment services in the internal market

(b) Information, communications and other services, including electronic services and emergency services.

Under the proposed directive , payment institutions may receive funds from the public for the provision of payment services .

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The proposal regarding structural business statistics for financial services is the fruit of numerous consultations and meetings with Member States , a large majority of which support it .

(c) Greater satisfaction of users with the services provided by the Treaty Section, including electronic services.

The European Commission services have disseminated to the industry a consultative paper on the supervision of financial conglomerates and a first draft for a proposal for a directive as a working paper .

The main objective of the proposed directive is to update the regulatory framework for investment services in order to take into account the fundamental changes that have taken place in European financial markets in recent years .

and technical inspection services .

CONTEXT OF THE PROPOSAL Objectives of the proposal

For the information and control services the following SWIFTNet services may be used ( a ) SWIFTNet InterAct

This service shall work in cooperation with the diplomatic services of the Member States and shall comprise officials from relevant departments of the General Secretariat of the Council and of the Commission as well as staff seconded from national diplomatic services of the Member States.

In indicator of achievement (c), insert efficient before support services .

Assess the security and personal data protection aspects related to the handling of data in ITS applications and services and propose measures in full compliance with Community legislation.

Other business services ( code 284 ) Covers services transactions between residents and non residents , such as the placement of personnel , security and investigative services , translation and interpretation , photographic services , building cleaning , real estate services to businesses and any other business services that cannot be classified to any of the business services listed above .

In particular , the proposed regulation requires the production of an import price index for industrial products and an output price index for services .

The objective of the draft Regulation is to define the methodological details for the inclusion of products in the health , education and social protection sectors and the timetable for the inclusion of certain items ( in particular hospital services , social protection services and retirement homes ) . 7 .

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Deciding on core services

Retail payment services , investment and insurance services remain highly fragmented .

Proposal for a REGULATION OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL on Community statistics concerning balance of payments , international trade in services and foreign direct investment

Management and support services

Depending on existing national legislation , payment service providers that currently offer paper based services might find it more costly to introduce more efficient electronic versions of their products , as they would then fall under the proposed directive , which might therefore delay the generally desirable introduction of electronic payment services .