Alerts:

Whereas in some countries the withdrawal in tellers is free whatever it is the financial organization in which it is made, in other European countries financial entities begin to receive even for withdrawals in their own tellers, happening something like a "kidnapping" of our own money. The "nets" of tellers seem more a bad excuse to receive commissions that a service to the client. The position of a financial organization is not only measured for itas assets, but also for the quality of its operation.

The need of fulfillment the European legislation on tranferences in Europe.

Grow in all Europe fraud in payment systems different from cash without regulate yet responsibility of consumers in case of robbery, loss or fraudulent use.

The well-known breach of norms, very necessary to obtain a real single market for consumers, as are regulations on cross-border payments supposes a serious obstacle for the Inner Market without taking any measure to avoid them.

http://europa.eu.int/comm/internal_market/payments/crossborder/index_en.htm

http://europa.eu.int/comm/internal_market/payments/crossborder/index_fr.htm

Action plan :

Communication from the Commission to the Council, the European Parliament, the European Economic and Social Committee, the European Central Bank and Europol - A new EU Action Plan 2004-2007 to prevent fraud on non-cash means of payment {SEC(2004) 1264} (Text with EEA relevance)

http://europa.eu.int/comm/internal_market/payments/fraud/index_en.htm#dataprot

Working groups :

EU Fraud Prevention Expert Group

http://europa.eu.int/comm/internal_market/payments/fraud/expertgroup/expertgroup-meetings_en.htm

Payment Systems:

http://europa.eu.int/comm/internal_market/payments/noncash_en.htm

http://europa.eu.int/comm/internal_market/payments/noncash_fr.htm

Fraud in payment systems different from cash:

http://europa.eu.int/comm/internal_market/payments/framework/index_en.htm

http://europa.eu.int/comm/internal_market/payments/framework/index_fr.htm

Results :

Conclusions