OB-AIS-005PSR 41(2a)Account information

User told about background access

What the text fixes

Before accessing accounts without the user actively requesting it, the AISP makes sure the user is duly aware of it, which recital 65a says can be done in the framework contract.

Article: PSR 41(2a)Provisional numbering of the April 2026 compromise (Council doc. 8221/26). The final numbering will be added when the Official Journal publishes the text, without changing the id.
Who is bound: AISP
Who it is for: Product, Compliance
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: New, with no equivalent in PSD2 or in the 2018 RTS.

STET 1.6.3

Out of spec

Informing the user happens in the AISP's own journey, before any call to the bank.

Sources

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-AIS-005",
  "article": "PSR 41(2a)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aisp"
  ],
  "roles": [
    "product",
    "compliance"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Utilisateur prévenu des accès en arrière-plan",
    "en": "User told about background access",
    "es": "Usuario avisado de los accesos en segundo plano",
    "pt-br": "Usuário avisado dos acessos em segundo plano"
  },
  "level1": {
    "fr": "Avant d'accéder aux comptes sans que l'utilisateur le demande, l'AISP s'assure qu'il en est dûment informé, ce qui peut passer par le contrat-cadre selon le considérant 65a.",
    "en": "Before accessing accounts without the user actively requesting it, the AISP makes sure the user is duly aware of it, which recital 65a says can be done in the framework contract.",
    "es": "Antes de acceder a las cuentas sin que el usuario lo pida, el AISP se asegura de que este está debidamente informado, lo que según el considerando 65a puede hacerse en el contrato marco.",
    "pt-br": "Antes de acessar as contas sem que o usuário peça, o AISP garante que ele esteja devidamente informado, o que pode ser feito no contrato-quadro segundo o considerando 65a."
  },
  "level2": null,
  "origin": [],
  "stet": {
    "1.6.3": {
      "status": "out-of-scope",
      "note": {
        "fr": "L'information de l'utilisateur se fait dans le parcours de l'AISP, avant tout appel à la banque.",
        "en": "Informing the user happens in the AISP's own journey, before any call to the bank.",
        "es": "La información al usuario se da en el recorrido del AISP, antes de cualquier llamada al banco.",
        "pt-br": "A informação ao usuário acontece na jornada do AISP, antes de qualquer chamada ao banco."
      },
      "pages": []
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 255
    },
    {
      "document": "8221/26",
      "page": 56
    }
  ],
  "verifiedAt": "2026-10-04"
}

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