OB-OBS-010PSR 44(1)(j)Prohibited obstacles

Adding steps to the journey

What the text fixes

In a redirect or decoupled journey, authentication at the ASPSP may not add steps or actions compared with the equivalent procedure in the direct channel.

Article: PSR 44(1)(j)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: ASPSP
Who it is for: Product, Audit and pentest
Application: 21 months after entry into force, the general application date (Article 112).
Level 2: No EBA mandate covers this obligation.
Origin: RTS 2018/389, Art. 32(3); EBA Opinion of 4 June 2020 on obstacles

STET 1.6.3

Out of spec

The number of screens depends on each bank's implementation, not on the specification.

Sources

Council doc. 8221/26, page 263

Checked on October 4, 2026

The entry as JSON

{
  "id": "OB-OBS-010",
  "article": "PSR 44(1)(j)",
  "alsoIn": [],
  "articleFinal": null,
  "actors": [
    "aspsp"
  ],
  "roles": [
    "product",
    "pentest"
  ],
  "appliesAt": "T+21",
  "title": {
    "fr": "Ajouter des étapes au parcours",
    "en": "Adding steps to the journey",
    "es": "Añadir pasos al recorrido",
    "pt-br": "Adicionar etapas à jornada"
  },
  "level1": {
    "fr": "En redirection ou en découplé, l'authentification chez l'ASPSP ne peut pas ajouter d'étapes ou d'actions par rapport à la procédure équivalente du canal direct.",
    "en": "In a redirect or decoupled journey, authentication at the ASPSP may not add steps or actions compared with the equivalent procedure in the direct channel.",
    "es": "En redirección o en desacoplado, la autenticación en el ASPSP no puede añadir pasos ni acciones respecto al procedimiento equivalente del canal directo.",
    "pt-br": "Em redirecionamento ou desacoplado, a autenticação no ASPSP não pode acrescentar etapas ou ações em relação ao procedimento equivalente do canal direto."
  },
  "level2": null,
  "origin": [
    {
      "act": "rts-2018-389",
      "articles": "32(3)"
    },
    {
      "act": "eba-opinion-2020"
    }
  ],
  "stet": {
    "1.6.3": {
      "status": "out-of-scope",
      "note": {
        "fr": "Le nombre d'écrans dépend de l'implémentation de chaque banque, pas de la spécification.",
        "en": "The number of screens depends on each bank's implementation, not on the specification.",
        "es": "El número de pantallas depende de la implementación de cada banco, no de la especificación.",
        "pt-br": "O número de telas depende da implementação de cada banco, não da especificação."
      },
      "pages": []
    }
  },
  "verification": null,
  "sources": [
    {
      "document": "8221/26",
      "page": 263
    }
  ],
  "verifiedAt": "2026-10-04"
}

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