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Stellungnahme der EU-Kommission zur camt-Pflicht

Festlegung der technischen Standards

Für das Nachrichtenformat (pain-Formate für die Einreichung der Überweisungs- und Lastschriftaufträge und das camt-Format für den elektronischen Kontoauszug) wird der ISO-Standard 20022 vorgeschrieben. Kunden und Banken müssen den IBAN zur Identifizierung der Konten verwenden.

Bezüglich der Verpflichtung, ab dem 01.02.2014 den camt-Kontoauszug zu verwenden, gab es unterschiedliche Interpretationen der EU-Verordnung. Auf Anfrage erhielten wir die folgende Stellungnahme der EU-Kommission:
"......Article 5 deals with the requirements for credit transfer and direct debit transactions and paragraph (1)(d) states that "they [PSPs] must ensure that where a PSU that is not a consumer or a microenterprise, initiates or receives individual credit transfers or individual direct debits which are not transmitted individually, but are bundled together for transmission, the message formats specified in point (1)(b) of the Annex are used." Point (1)(b) of the Annex determines that "The standard for message format referred to in Article 5(1)(b) and (d) must be the ISO 20022 XML standard."

Article 5 (1)(d) clearly refers to the initiation but also to the receipt of payments. Therefore, the interface PSU – PSP as well as the interface PSP – PSU are covered by this provision and in both cases the ISO 20022 XML format has to be used. Against this background, the ISO 20022 XML standard is also mandatory for the account statement [CAMT (Cash Management) message] that refers to the PSP – PSU interface. Moreover, this interpretation is in line with the general idea of an "end to end" processing. Nevertheless, this does only apply, if the general requirements set out in Article 5 (1)(d) are met.

However, please note that the European Commission is responsible for the general interpretation of the provisions of the SEPA End-date Regulation, whereas a final decision on the interpretation of European legislation can obviously only be made by the European Court of Justice."