Introduction The European Commission is concerned that many payment service firms have escaped regulation under the current Payment Services Directive. One of the main objectives of the new legislation is therefore to bring more firms within the scope of regulation. On 3 April 2014, in the last month of the 2009-14 term, the European Parliament voted to adopt a number of to the European Commission proposals for a recast, better known as the Payment Services Directive ( 'PSD 2'), and its accompanying ( 'the Regulation'). This was not, however, the end of the process of writing these proposals into law; instead, it was just another step in the negotiations over PSD 2 that have carried on since last July. The impetus behind PSD 2 was both to improve the level of consumer protection in place, and also to increase competition. It follows on from the European Commission green paper ‘’ (published in January 2012) and is also part of the wider EU proposal for regulatory reform of payment services, which includes the proposed, covering card fees, account switching, and basic bank accounts. We have summarised the main points of PSD 2 and its accompanying Regulation below.

Today we bring for all designers very elegant Free Certificate Mockup PSD. With this mockup. Psd certificate template Certificate Vectors, Photos and PSD files.

PSD 2: extension of scope and removal of exemptions Third-party Payment Initiation Services PSD 2 would expressly cover new Payment Initiation Services ( ‘PI services’). PI services are an alternative to card payments offered by companies like PayPal: third party providers that allow consumers to make payments from their accounts, typically by electronic means. This development is intended both to benefit consumers – PI services are currently unregulated in some Member States, but under PSD 2 would be subject to various consumer protection measures – and also PI services as well. PSD 2 seeks to reduce barriers for new market entrants offering PI services; and, in particular, would oblige payment service providers ( ‘PSPs’) such as banks to let their customers use PI services provided by third party providers. It would also oblige PSPs to let their customers use third party Account Information Services: software that displays consolidated information on a consumer’s different payment accounts.

PI services would be required to be licensed, registered and supervised, like any other payment institution. They would be subject to their own information and transparency requirements, as well as the new requirements on internet payment security described below.

Other changes of scope and exemptions • Payments via store cards, membership cards, meal vouchers, etc: the ‘limited network exemption’ would be restricted to only those arrangements that “address precise needs”; and, where the monthly volume of transactions exceeds €1m, PSPs must seek express permission from the regulator to use this exemption. • Payments made through commercial agents: the European Commission considered this exemption was being abused; therefore it would be restricted to only commercial agents acting on behalf of either payer or payee; and removed from agents acting for both (e.g. Some e-commerce platforms).

Our website provides a free download of Oberheim SEM V 1.4.0.76 for Mac. The program lies within Audio & Video Tools, more precisely General. Our antivirus analysis shows that this Mac download is malware free. The actual developer of this Mac application is Arturia. Software » Mac OSX Arturia Oberheim SEM V v1.3.1.9 MacOSX-HEXWARS. Usenet.nl/download/Arturia Oberheim SEM V v1.3.1.9 MacOSX-HEXWARS. Arturia Oberheim SEM V v1. Arturia Oberheim Sem V v1.3.1.9 (Mac OSX. But these are not samples of some of the sounds they make; they are software models based on a complete analysis of each characteristic, making them truly alive. Oberheim's legendary SEM - Synthesizer Expander Module - is back for the first time as a high-end software emulation powered. Software » Mac OSX Arturia SEM V. ARTURIA – Oberheim SEM V – User's manual 11 Standard -12dB digital low-pass resonant filter from a typical software synthesizer Very selective -12dB resonance filter of the Oberheim SEM TAE made resonance filter: first -12dB resonant filter to be that selective. Free mac osx 10.4 download.