# OB-IF-014 — Derogation from the dedicated interface

> At the ASPSP's request, the competent authority may exempt it from the dedicated interface and allow it either to open its customer interface, if that interface offers equivalent functions with widely accepted, interoperable standards, or to offer no interface at all where justified.

- Article: PSR 39(1)
- Who is bound: ASPSP, National authority
- Who it is for: Compliance
- Application: 21 months after entry into force, the general application date (Article 112).
- Level 2: RTS under Article PSR 39(2), draft due at T + 12 months.
- Origin: RTS 2018/389, Art. 31, 33(6)

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

The derogation is a decision of the competent authority, outside the specification's scope.


## Sources

- [Council doc. 8221/26, page 251](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=251)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-if-014