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Parliamentary questions
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11 August 2020
Answer given by Vice-President Dombrovskis
on behalf of the European Commission
Question reference: E-002585/2020

The Commission is aware of the difficulties that a maximum time limit without activity in online banking could create for persons with disabilities. The Commission believes that this rule is however important to enhance the security of online banking interfaces, notably with a view to preventing unauthorised access by persons other than the payment service user.

While it is not empowered to grant individual derogations from a legal rule such as Article 4(3)d) of Delegated Regulation (EU) 2018/389(1) of 27 November 2017, the Commission will look again into the matter in close cooperation with the European Banking Authority when this regulation is reviewed in accordance with Article 98(5) of Directive (EU) 2015/2366(2).

Furthermore, Directive (EU) 2019/882 on the accessibility requirements for products and services contains an accessibility requirement for consumer banking services that requires ‘providing identification methods, electronic signatures, security, and payment services which are perceivable, operable, understandable and robust<QT.END>” </QT.END> .

In addition, the directive introduces general accessibility requirements, which will ensure that websites and the related online applications, as well as mobile device-based services and applications, are “accessible in a consistent and adequate way by making them perceivable, operable, understandable and robust<QT.END>” </QT.END> . The directive is in the process of being transposed and will be applicable as from 28 June 2025.

The Commission will present a strengthened EU disability strategy in 2021, building on the results of the evaluation of the current Strategy. The new strategy will also look at accessibility issues.

(1)Commission Delegated Regulation (EU) 2018/389 of 27 November 2017 supplementing Directive (EU) 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication — OJ L 69, 13.3.2018, p. 23‐43 
(2)Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC. OJ L 337, 23.12.2015, p. 35‐12.
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