The text of this page is also available here in most European Union official languages.
Borders and Security; Justice and Fundamental Rights; Consumers; Fraud prevention
The Commission would in particular like to encourage members of the following target groups to participate:
From 01.03.2017 to 24.05.2017
Non-cash payments constitute an increasing share of overall payments. With the rising prevalence of e-commerce and other transactions at a distance, their importance for the economy is growing. Security has continually improved with the introduction of standards applying to all Payment Service Providers for all electronic transactions and for access to the online banking environment.
However, available data shows that frauds are still on the rise and affect the trust of the public in digital services and undermine the strengthening of the digital single market. Fraudsters manage to adapt rapidly their modi operandi to evolving technologies and exploit legal loopholes and discrepancies, setting up transnational criminal networks, posing challenges to law enforcement.
In the European Agenda on Security , the Commission committed to reviewing and possibly extending legislation on combatting fraud and counterfeiting of non-cash means of payments to take account of newer forms of crime and counterfeiting in financial instruments, decrease its occurrence and deterring potential criminal activity thereby reinforcing the trust of consumers in the digital single market and strengthening data protection more effectively.
As outlined in the relevant Inception Impact Assessment, the objectives of such initiative would be:
Against this background, the European Commission is holding this public consultation to gather stakeholders' views on the functioning of the existing legislation and on the need for a new initiative to address new and evolving forms of non-cash payment fraud.
You can contribute to this public consultation by filling out the online questionnaire. Filling out the questionnaire takes 5-10 minutes for individuals and approximately 15 minutes for experts and practitioners.
You can also download the list of questions in PDF format directly from the survey page.
In addition, you can also submit position papers to a dedicated functional mailbox: HOME-CYBERCRIME@ec.europa.eu
Replies may be submitted in any EU official language. Given possible delays in translating comments submitted in some languages, contributions in English are welcome, as they will help the Commission to process the survey more swiftly. Versions of the questionnaire in all EU official languages will be made available as soon as ready, during the first month of the consultation; please note that this will not impact on the consultation period: the deadline for contributing is 24 May 2017 regardless to the language version of the questionnaire you are replying to.
As part of the European Transparency Initiative, the Commission asks organisations who wish to participate in public consultations to provide the Commission and the public with information about whom and what they represent, their objectives, funding and structures, by registering in the Transparency Register and subscribing to its Code of Conduct.
If an organisation decides not to provide this information, it is the Commission's stated policy to list the contribution as part of the individual contributions (Consultation Standards, see COM (2002) 704, and Communication on ETI Follow-up, see COM (2007) 127 of 21/03/2007). These replies will be published separately.
Received contributions will be published on the Internet. It is important to read the specific privacy statement attached to this consultation for information on how your personal data and contribution will be dealt with.
The European Commission launched an open public consultation on 1 March 2017, which aimed to gather feedback from the public at large on the problem definition, the relevance and effectiveness of the current legal framework in the field of non-cash payment fraud, as well as options, and their possible impacts to tackle existing issues.
The consultation closed after 12 weeks, on 24 May 2017. Thirty-three practitioners and twenty-one members of the general public answered the questionnaires of the open public consultation. Four practitioners provided additional inputs through written contributions. Practitioners included: