Payment services, Legislation, Study

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Study on the implementation of Recommendation 97/489/EC
concerning transactions carried out by electronic payment instruments and in particular the relationship between holder and issuer


This study has been undertaken under contract to the European Commission in response to Call for Tender XV/99/01/C by a consortium of 10 European partners led by CRID, University of Namur and the IT Law Unit, Centre for Commercial Law Studies, Queen Mary University of London. It assesses the implementation of Recommendation 97/489/EC of 30 July 1997 concerning transactions carried out by electronic payment instruments and in particular the relationship between issuer and holder in the 15 Member States of the European Union.

The aims of the study were to investigate how far the Recommendation has been effective in improving the position of EPI holders, both as a matter of substantive law and in actual practice :

  1. To produce a scientific analysis of the implementation of the Recommendation in each Member State

  2. To establish the major differences between the terms and conditions on which EPIs are issued and the day-to-day practice of issuers



Study: Final Report

Final Report - Part A PDF 556 KBEnglish
Appendices - Part B PDF 1.106 KBEnglish

Reports by Country

The research and surveys for the national reports have been conducted from April 2000 to September 2000.

Austria PDF - 242 KBEnglish
Belgium PDF - 383KBEnglish
Denmark PDF - 383KBEnglish
Finland PDF - 218KBEnglish
France PDF - 315KBEnglish
Germany PDF - 386KBEnglish
Greece PDF - 423KBEnglish
Ireland PDF - 255KBEnglish
Italy PDF - 334KBEnglish
Luxembourg PDF - 273 KBEnglish
Netherlands PDF - 217 KBEnglish
Portugal PDF - 355KBEnglish
Spain PDF - 345 KBEnglish
Sweden PDF - 231KBEnglish
United Kingdom PDF - 299 KBEnglish

Comments received by the Commission on the study

France PDF - 573KBFrançais
Germany PDF - 8KBEnglish
Greece PDF - 163KBEnglish
Italy PDF - 229 KBEnglish
Luxembourg PDF - 153KBFrançais

Last update: 06.02.2012