La banque expose-t-elle les titulaires d'un compte ?

{
  "id": "OPT-AIS-012",
  "edition": "1.6.3",
  "chooser": "aspsp",
  "title": {
    "fr": "Titulaires du compte",
    "en": "Account holders",
    "es": "Titulares de la cuenta",
    "pt-br": "Titulares da conta"
  },
  "question": {
    "fr": "La banque expose-t-elle les titulaires d'un compte ?",
    "en": "Does the bank expose the holders of an account?",
    "es": "¿Expone el banco los titulares de una cuenta?",
    "pt-br": "O banco expõe os titulares de uma conta?"
  },
  "options": [
    {
      "label": {
        "fr": "Non",
        "en": "No",
        "es": "No",
        "pt-br": "Não"
      },
      "text": {
        "fr": "Pas de lien `owners`.",
        "en": "No `owners` link.",
        "es": "Sin enlace `owners`.",
        "pt-br": "Sem link `owners`."
      }
    },
    {
      "label": {
        "fr": "Personnes",
        "en": "Individuals",
        "es": "Personas",
        "pt-br": "Pessoas"
      },
      "text": {
        "fr": "Une liste `identities`, avec `fullName` obligatoire.",
        "en": "An `identities` list, with a mandatory `fullName`.",
        "es": "Una lista `identities`, con `fullName` obligatorio.",
        "pt-br": "Uma lista `identities`, com `fullName` obrigatório."
      }
    },
    {
      "label": {
        "fr": "Société",
        "en": "Company",
        "es": "Empresa",
        "pt-br": "Empresa"
      },
      "text": {
        "fr": "Un bloc `company`.",
        "en": "A `company` block.",
        "es": "Un bloque `company`.",
        "pt-br": "Um bloco `company`."
      }
    }
  ],
  "stet": {
    "sections": [
      {
        "part": "functional-model",
        "section": "4.3",
        "page": 32
      }
    ],
    "openapi": [
      "GET /accounts/{accountResourceId}/owners"
    ],
    "flows": [
      "6-4-account-owners-identities-retrieval"
    ],
    "changes": [],
    "remark": null
  },
  "aspsp": {
    "fr": "Le bloc `identities` sert pour les personnes physiques, le bloc `company` pour une personne morale.",
    "en": "The `identities` block is for natural persons, the `company` block for a legal entity.",
    "es": "El bloque `identities` se usa para las personas físicas, y el bloque `company` para una persona jurídica.",
    "pt-br": "O bloco `identities` serve para pessoas físicas, e o bloco `company` para uma pessoa jurídica."
  },
  "tpp": {
    "fr": "Regarder le lien `owners` du compte.",
    "en": "Check the account's `owners` link.",
    "es": "Comprobar el enlace `owners` de la cuenta.",
    "pt-br": "Verificar o link `owners` da conta."
  },
  "regulation": {
    "text": {
      "fr": "La banque doit donner à l'AISP le nom du titulaire s'il est affiché au PSU en accès direct, et l'AISP doit pouvoir justifier qu'il en a besoin (Q&A 2018_4081).",
      "en": "The bank must give the AISP the account holder's name if it is shown to the PSU through direct access, and the AISP must be able to justify that it needs it (Q&A 2018_4081).",
      "es": "El banco debe dar al AISP el nombre del titular si se muestra al PSU en acceso directo, y el AISP debe poder justificar que lo necesita (Q&A 2018_4081).",
      "pt-br": "O banco deve fornecer ao AISP o nome do titular se ele for exibido ao PSU em acesso direto, e o AISP deve poder justificar que precisa dele (Q&A 2018_4081)."
    },
    "sources": [
      {
        "act": "eba-qa",
        "ref": "2018_4081"
      }
    ]
  },
  "note": {
    "fr": "La description renvoie à un champ `company` de la structure de compte, qui n'existe que dans la réponse des titulaires.",
    "en": "The description refers to a `company` field in the account structure, which only exists in the account holders response.",
    "es": "La descripción remite a un campo `company` de la estructura de cuenta, que solo existe en la respuesta de titulares.",
    "pt-br": "A descrição remete a um campo `company` da estrutura de conta, que só existe na resposta dos titulares."
  },
  "production": null,
  "verifiedAt": "2026-10-19"
}