# OB-IF-008 — Error messages that explain the cause

> When an unexpected event or error occurs during identification, authentication or data exchange, the ASPSP sends the TPP a message explaining the reason.

- Article: PSR 35(7)
- Who is bound: ASPSP
- Who it is for: API
- 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. 36(2)

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: Covered

The `ErrorModel` schema carries a mandatory `message` and a list of `details`, and the Framework defines codes such as `FORMAT_ERROR` or `ACCESS_EXCEEDED`.

- <https://openfinanceguide.com/en/stet/1.6.3/resources/error-model>
- <https://openfinanceguide.com/en/stet/1.6.3/framework/3-prerequisites-and-technical-details>

## Sources

- [Council doc. 8221/26, page 242](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=242)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-if-008