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American Express Corporation

American Express is a global provider of credit products and travel-related services.

Lobbying Activity

Meeting with Jonás Fernández (Member of the European Parliament)

6 Nov 2025 · Capital Markets Union

American Express urges risk-based cookie rules and harmonized reporting

14 Oct 2025
Topic — The Commission's digital omnibus aims to simplify rules and provide relief to businesses.
Message — The group requests a risk-based distinction to remove consent for low-risk trackers. They advocate for browser-level preference tools to replace repetitive cookie banners. Finally, they want harmonized incident reporting triggers and timeframes across multiple EU regulations.123
Why — These changes would reduce administrative burdens and the resource costs of compliance.4
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Meeting with Alexandra Jour-Schroeder (Deputy Director-General Financial Stability, Financial Services and Capital Markets Union)

17 Sept 2025 · Developments in the EU financial services landscape

Meeting with Fabio De Masi (Member of the European Parliament) and Afore Consulting and

9 Jul 2025 · Digital Euro

Meeting with Marlene Rosemarie Madsen (Cabinet of Executive Vice-President Henna Virkkunen)

22 Apr 2025 · Exchange of views on online financial scams and online fraud

Meeting with Regina Doherty (Member of the European Parliament)

9 Apr 2025 · Online Fraud

Meeting with Cynthia Ní Mhurchú (Member of the European Parliament)

3 Feb 2025 · Introduction meeting

Meeting with Virginijus Sinkevičius (Member of the European Parliament)

9 Dec 2024 · PSR, PSD3

Meeting with Fernando Navarrete Rojas (Member of the European Parliament) and Asociación Española de Banca

12 Sept 2024 · EUROFI

Meeting with José Manuel García-Margallo Y Marfil (Member of the European Parliament)

15 Nov 2023 · PSD3

Meeting with Jonás Fernández (Member of the European Parliament)

14 Nov 2023 · Payment Services

Meeting with Gilles Boyer (Member of the European Parliament, Shadow rapporteur) and Banco Santander, S.A. and BNP PARIBAS

25 Oct 2023 · Digital euro

Meeting with Ondřej Kovařík (Member of the European Parliament, Rapporteur) and The European Association of Corporate Treasurers

10 Oct 2023 · PSD III

Meeting with Frances Fitzgerald (Member of the European Parliament, Shadow rapporteur)

3 Oct 2023 · FIDA

Meeting with Isabel Benjumea Benjumea (Member of the European Parliament)

27 Jun 2023 · PSD2 Review

Meeting with Frances Fitzgerald (Member of the European Parliament)

27 Jun 2023 · General

Meeting with Axel Voss (Member of the European Parliament, Shadow rapporteur) and Freshfields LLP

5 Jun 2023 · AI Act

Meeting with Stéphanie Yon-Courtin (Member of the European Parliament)

27 Apr 2023 · Payments Services Directive (PSD2), euro numérique, instant payments regulation

Meeting with Gilles Boyer (Member of the European Parliament)

21 Apr 2023 · Digital euro (staff)

Meeting with Mairead McGuinness (Commissioner) and

28 Mar 2023 · Round-Table on Digital Euro (with EVP Dombrovskis and DG FISMA)

Meeting with Tomislav Sokol (Member of the European Parliament)

7 Jun 2022 · Consumer Credit Directive (CCD)

Response to Instant Payments

7 Apr 2021

American Express supports the initiatives by the Commission encourage instant payments across the EU. The design of such initiatives should consider all possible barriers to instant payments to ensure further adoption by consumers and businesses alike. A more developed instant payments infrastructure will open opportunities for payment initiation and acquiring in particular. It will also allow for the development of APIs and other payment arrangements. In order to better establish the regulatory and policy framework for this, American Express urges further attention to be paid to issues arising from the Payments Package which have not fully addressed persistent issues around the lack of competition in the payments landscape, protection of consumer choice in payment products, and spurring innovation. The success of instant payments will in large part depend on non-bank PSPs having direct access to the intra-bank payments systems, as being discussed in the Settlement Finality Directive. Under the current settlement arrangements for SCT Inst, payment institutions can only be indirect members of the TIPS ECB clearing arrangements, thus putting non-bank payment sector at a competitive disadvantage. American Express welcomes the fast evolution of the SCT Inst adherence rate and the growth of SCT Inst volumes of transactions. American Express fully supports the European Payment Council’s (EPC) work to actively promote adherence to SCT Inst and its efforts to foster the scheme’s attractiveness and reach. We also support the overall objective pursued by the Eurosystem’s interoperability initiative to facilitate full pan-SEPA reach. American Express advocates for a real level playing field, which does not primarily benefit dominant players. Challenges remain for alternative players to compete and scale, due in part to unintended consequences arising from the Interchange Fees Regulation and PSD2, particularly rules on Open Access, separation of processing and scheme. American Express agrees with the Commission that a European instant payment infrastructure could strengthen the role of the euro. Instant payments at the Point of Interaction (POI) could be complementary to card payments. The EU should focus on further regulatory harmonization for the payment sector. Harmonization would ensure more consistent payment experiences within the EU, which in turn would contribute to the successful rollout of pan-EU solutions. American Express believes that payment service providers should participate in a single set of rules, practices and standards by also adopting international standards. This will help guarantee interoperability not only within the EU, but also at a broader scale. Compared to the traditional credit transfers, instant payments pose additional or increased risks (in particular for fraud or money laundering). There may be a range of practical and legal issues associated with instant payments from cases in Europe where mandating a rapid payment mechanism or settlement times can result in: - Higher settlement costs to merchants; - Decreased merchant choices; and a - Loss of protection for consumers (e.g. chargeback rights). Experience from bank-to-bank payment methods in Europe also shows a low level of awareness among consumers of the protections in place and the differences among payment solutions. We support the additional work proposed to raise greater awareness among consumers. In the light of the comments made, American Express would support Policy Option Two (2), the non-legislative option, which would explore possibilities of actively promoting the voluntary participation of PSPs in relevant standardization processes or schemes, awareness raising campaigns among consumers and merchants, and establishing a structured dialogue between national payments sectoral groups to coordinate national plans for promoting instant payments or collaborating on a Commission Recommendation to Member States.
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Meeting with Roberto Viola (Director-General Communications Networks, Content and Technology)

27 Aug 2020 · Patronage vouchers

Meeting with Roberto Viola (Director-General Communications Networks, Content and Technology)

19 Jun 2020 · Impact of COVID-19 (virtual)

Response to Report on the application of the General Data Protection Regulation

29 Apr 2020

American Express is pleased to have the opportunity to provide comments for the upcoming European Commission report on the application of the General Data Protection Regulation (GDPR). American Express has welcomed the entry into force of the GDPR which has brought a necessary alignment between national data protection legislations across Europe and has overall increased the protection of our customers. Data protection and information security are long-standing priorities for American Express and our existing robust data protection program was enhanced to meet the additional requirements introduced by the GDPR. In the implementation of these new requirements, American Express has however faced some challenges. Our comments will focus on (I) general issues in the application of the GDPR (II) the international transfer of personal data to third countries; and (III) the cooperation and consistency mechanism between national data protection authorities. More information can be found in our accompanying document.
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Meeting with Elina Melngaile (Cabinet of Vice-President Valdis Dombrovskis)

27 Jun 2018 · Cross-border payments and Dynamic Currency Conversion

Meeting with Elina Melngaile (Cabinet of Vice-President Valdis Dombrovskis)

24 Oct 2017 · developments affecting Payments and Digital Innovation