# OB-OBS-001 — Blocking the use of the bank's credentials

> The ASPSP may not prevent TPPs from using the personalised security credentials it issued to its customers.

- Article: PSR 44(1)(a)
- Who is bound: ASPSP
- Who it is for: API, 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

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 TPP relies on the bank's authentication in redirect, decoupled or one-factor embedded mode (`EMBEDDED-1-FACTOR`).

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

## Sources

- [Council doc. 8221/26, page 261](https://data.consilium.europa.eu/doc/document/ST-8221-2026-INIT/en/pdf#page=261)

Checked on 2026-10-04. https://openfinanceguide.com/en/dsp3/obligations/ob-obs-001