OpenLobby.EU
Explore

Association of Credit Card Issuers in Europe

ACCIE

ACCIE aims to ensure that the interests of its specialized European credit card issuing-members are fairly and appropriately represented in relevant EU and/or national regulatory discussions and related decision making processes.

Lobbying Activity

Meeting with Jussi Saramo (Member of the European Parliament, Shadow rapporteur)

5 Feb 2025 · payment policies files, particularly the PSR and FIDA

Meeting with Florian Denis (Cabinet of Commissioner Mairead Mcguinness) and Bureau Brussels Consulting

29 Nov 2023 · digital euro

Meeting with Marek Belka (Member of the European Parliament, Rapporteur)

14 Nov 2023 · PSR

Response to Open finance framework

31 Oct 2023

The Association of Credit Card Issuers in Europe represents the specialised credit card issuing industry in the EU. ACCIE welcomes the Commission's proposals for a new Framework for Financial Data Access. Our feedback can be found in the attached file.
Read full response

Response to Payment services – revision of EU rules (new Regulation)

25 Oct 2023

The Association of Credit Card Issuers in Europe represents the specialised credit card issuing industry in the EU. ACCIE welcomes the Commission's proposals for a new Payment Services Regulation (PSR) and the revision of the Payment Services Directive (PSD3). Our feedback can be found in the attached file.
Read full response

Response to Revision of EU rules on Anti-Money Laundering (new instrument)

7 Oct 2021

ACCIE is delighted to submit feedback on the Commission's proposal for a Regulation on Anti-Money Laundering and Countering Terrorist Financing (AML/CTF). ACCIE welcomes the Commission’s aim to increase the protection of the EU financial system and citizens by setting stricter rules on transfers which are more prone to fraud, as well as by setting higher fraud prevention standards, reflecting the best practices applied by the EU financial market. Please find ACCIE's full contribution in the attached file.
Read full response

Response to EU Anti-money laundering supervisor

7 Oct 2021

ACCIE is delighted to submit feedback on the Commission's proposal to eshtablish an European Anti-Money Laundering Authority (AMLA), and would like to highlight that AML supervision must be clearly divided across the different supervisory levels. This is necessary to prevent burdening market operators and avoid complicated reporting processes and unclarity amongst the market players. Please find ACCIE's full contribution in the attached file.
Read full response

Response to Consumer Credit Agreement – review of EU rules

2 Sept 2021

The Association of Credit Card Issuers Europe (ACCIE) represents the specialized European credit card issuing industry. ACCIE is happy to submit feedback on the Commission’s proposal on the Revised Consumer Credit Directive (CCD), and wants to draw attention to the following key points regarding the creditworthiness assessment (CWA) and caps on the cost of credit: - The CWA should be proportionate to the level of indebtedness risk a credit product carries. - The CCD should set a bottom limit on caps on the cost of credit, and the Member States should be advised on aspects to be considered when setting the caps. - The CCD should clearly define which costs are included in the caps. Please find the full ACCIE contribution to this public consultation enclosed.
Read full response

Response to Instant Payments

6 Apr 2021

The Association of Credit Card Issuers Europe (ACCIE) is pleased to submit commentary on the roadmap on instant payments, and would like to bring to the Commission’s attention the following points: - Instant payments should be considered complementary to other payment methods, as different payment methods differ in their features, being more favourable to certain payment needs. Thus, consumer choice should be the norm; - The payments market is global in nature, as payments are often made across the national borders and beyond the EU. Thus, for a payment method to answer the market needs it should be interoperable with global payment networks; - A creation of a European payment scheme for instant payments should be designed in collaboration with the European payment service providers (PSPs) involved in other payment methods. Please find enclosed the full ACCIE feedback on the roadmap on instant payments.
Read full response

Response to Consumer Credit Agreement – review of EU rules

31 Aug 2020

The Association of Credit Card Issuers Europe (ACCIE) represents the specialised European credit card issuing industry. ACCIE is pleased to submit commentary to this consultation, and fully supports the goal of the Consumer Credit Directive (CCD) to ensure high level of consumer protection in consumer credit agreements. Furthermore, ACCIE wants to draw attention to the following key points: • ACCIE is confident that industry initiatives would be the best way to address additional protections for borrowers and lenders during exceptional situations. This is because economic crises are heterogeneous, thus, ‘one size fits all’ approach would not be suitable on guaranteeing adequate protection of the borrowers and lenders interest in exceptional situations. • To ensure borrowers’ protection in credit agreements and a level playfield for all the credit providers, ACCIE recommends to amend the scope of the CCD as to include all new credit providers and types of credit. • ACCIE is confident that the current CCD provides adequate standards for information to be provided to consumers in advertisement and pre-contractual stages. Also, as EBA suggests1, the focus should be on the presentational aspects of this information. • Regarding to creditworthiness assessment, ACCIE recommends to focus on the implementation of the recent EBA guidelines on loan origination and monitoring2 within the scope of the CCD, and investigation of their impacts before determining if legislative action is needed. Please find ACCIE's position in the PDF attached.
Read full response

Meeting with Elina Melngaile (Cabinet of Vice-President Valdis Dombrovskis) and Bureau Brussels Consulting and International Card Services BV

27 Jun 2018 · Fintech Action Plan and Transparency in currency convension

Response to Review of Regulation on cross-border payments

11 Jun 2018

The Association of Credit Card Issuers in Europe (ACCIE) welcomes the European Commission’s (Commission) legislative proposal to amend Regulation No 924/2009 and enhance transparency in currency conversion. Currently, consumers are often unaware of the different currency conversion options and the costs associated to these. Providing consumers with necessary and reliable information about the different currency conversion options will increase awareness and empowers consumers to make better decisions. Therefore, ACCIE fully supports the efforts of the Commission in this regard. ACCIE believes that a more confined mandate to the European Banking Authority (EBA) is required.
Read full response