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Consultation on the implementation of the EU Payment Accounts Directive


From: Ministry for Finance
Malta Financial Services Authority
​Published on: 15.03.2016
Running till: 29.04.2016
​Last Updated: ​25.05.2016

This consultation has concluded


Original Consultation

This consultation invites views on the proposed steps that the Malta Financial Services Authority (MFSA) will take in order to make sure that Malta meets its obligation to transpose Directive 2014/92/EU – the Payment Accounts Directive (“PAD” or “Directive”).
This consultation should be read by those who will be affected by the changes proposed. This may include payment service providers (“PSPs”) such as credit institutions, financial institutions, electronic money institutions, consumers and consumer groups and other interested parties.
Any queries or requests for clarification in respect of the draft regulations should be addressed to Ms Samantha Sultana (                             
We thank you in advance for your input. 
Data Protection Statement Data Protection Act (Chapter 440)
The Data Protection Act, 2001 regulates the processing of personal data whether held electronically or in manual form. The Ministry for Social Dialogue, Consumer Affairs and Civil Liberties collects only information which is necessary for it to perform its intended functions and is set to fully comply with the Data Protection Principles as set out in the Act.  Verification of the ID number provided will take place as deemed necessary. All personal data provided will be processed according to the Data Protection Act (Cap 440).
In addition, please be aware of:
·         Disclosure under the Freedom of Information Act (Chapter 496)
As we are a public authority all documents we hold, including documents related to this public consultation process, may be released following a request to us under the Freedom of Information Act (Chap. 496), unless such request may be subject of an exemption arising from the same Act.


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