# OB-AIS-005 — User told about background access

> 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)
- 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.

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.

## STET 1.6.3: Out of spec

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


## Sources

- [Council doc. 8221/26, page 255](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=255)
- [Council doc. 8221/26, page 56](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=56)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-ais-005