{"id":"dossiers/PL8460","title":"PL8460 — Paiements instantanés","type":"dossier","html":"<p>Bill 8460 (\"Paiements instantanés\"). The Chamber debated and voted it on 2 April 2025.</p>\n<p>Sittings: <a href=\"/lhoft?page=seances%2F2025-04-02-n076\" class=\"wikiLink\" data-target=\"seances/2025-04-02-n076\">Sitting of 2 April 2025</a>, <a href=\"/lhoft?page=seances%2F2025-04-02-n077\" class=\"wikiLink\" data-target=\"seances/2025-04-02-n077\">Sitting of 2 April 2025</a></p>\n<h2>Debate</h2>\n<h3>2 April 2025 — <a href=\"/lhoft?page=topics%2Ffinancial-centre\" class=\"wikiLink\" data-target=\"topics/financial-centre\">The financial centre and financial regulation</a></h3>\n<p>The Chamber debated and voted the projet de loi 8460 implementing the EU regulation on instant euro credit transfers, including the obligatory IBAN name check and access of payment institutions to payment systems; the bill was adopted unanimously with 60 votes and the second constitutional vote was waived.</p>\n<p>Laurent Mosar (CSV), setting out the rule that an instant payment may not cost the client more than an ordinary transfer:</p>\n<blockquote>\n<p>Eng zweet Mesür vun dësem Projet de loi ass, datt d’Käschte fir esou en Instantpayment fir de Client net méi héich däerfe si wéi fir en traditionelle Virement.</p>\n</blockquote>\n<p><em>A second measure of this bill is that the cost of such an instant payment for the client may not be higher than for a traditional transfer.</em></p>\n<p><a href=\"/lhoft?page=seances%2F2025-04-02-n077\" class=\"wikiLink\" data-target=\"seances/2025-04-02-n077\">Sitting of 2 April 2025</a>, <a href=\"/lhoft?page=deputies%2Flaurent-mosar\" class=\"wikiLink\" data-target=\"deputies/laurent-mosar\">Laurent Mosar</a>, CSV</p>\n<p>André Bauler (DP), stating the new obligation on payment service providers:</p>\n<blockquote>\n<p>All Prestataire vu Bezuelungssystemer ass vun elo un also verflicht, senge Clienten d’Optioun vum Virement instantané unzebidden, an dëst, ouni datt et méi kascht wéi eng normal Iwwerweisung.</p>\n</blockquote>\n<p><em>From now on every payment system provider is therefore obliged to offer its clients the option of the instant transfer, and this without it costing more than a normal transfer.</em></p>\n<p><a href=\"/lhoft?page=seances%2F2025-04-02-n077\" class=\"wikiLink\" data-target=\"seances/2025-04-02-n077\">Sitting of 2 April 2025</a>, <a href=\"/lhoft?page=deputies%2Fandre-bauler\" class=\"wikiLink\" data-target=\"deputies/andre-bauler\">André Bauler</a>, DP</p>\n<p>Franz Fayot (LSAP), warning that faster transfers bring a certain risk:</p>\n<blockquote>\n<p>Natierlech kënnt mat enger gewësser Acceleratioun och e gewësse Risiko.</p>\n</blockquote>\n<p><em>Of course a certain risk comes with a certain acceleration.</em></p>\n<p><a href=\"/lhoft?page=seances%2F2025-04-02-n077\" class=\"wikiLink\" data-target=\"seances/2025-04-02-n077\">Sitting of 2 April 2025</a>, <a href=\"/lhoft?page=deputies%2Ffranz-fayot\" class=\"wikiLink\" data-target=\"deputies/franz-fayot\">Franz Fayot</a>, LSAP</p>\n<h2>Votes</h2>\n<h3>Main vote: PL 8460 - Paiements instantanés</h3>\n<p>2 April 2025 — Premier vote constitutionnel.</p>\n<table><thead><tr><th>Party</th><th style=\"text-align: right;\">For</th><th style=\"text-align: right;\">Against</th><th style=\"text-align: right;\">Abstain</th></tr></thead><tbody><tr><td><a href=\"/lhoft?page=parties%2Fcsv\" class=\"wikiLink\" data-target=\"parties/csv\">CSV</a></td><td style=\"text-align: right;\">21</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><a href=\"/lhoft?page=parties%2Fdp\" class=\"wikiLink\" data-target=\"parties/dp\">DP</a></td><td style=\"text-align: right;\">14</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><a href=\"/lhoft?page=parties%2Flsap\" class=\"wikiLink\" data-target=\"parties/lsap\">LSAP</a></td><td style=\"text-align: right;\">12</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><a href=\"/lhoft?page=parties%2Fadr\" class=\"wikiLink\" data-target=\"parties/adr\">ADR</a></td><td style=\"text-align: right;\">5</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><a href=\"/lhoft?page=parties%2Fdei-greng\" class=\"wikiLink\" data-target=\"parties/dei-greng\">déi gréng</a></td><td style=\"text-align: right;\">4</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><a href=\"/lhoft?page=parties%2Fpiraten\" class=\"wikiLink\" data-target=\"parties/piraten\">Piraten</a></td><td style=\"text-align: right;\">2</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><a href=\"/lhoft?page=parties%2Fdei-lenk\" class=\"wikiLink\" data-target=\"parties/dei-lenk\">déi Lénk</a></td><td style=\"text-align: right;\">2</td><td style=\"text-align: right;\">0</td><td style=\"text-align: right;\">0</td></tr><tr><td><strong>Total</strong></td><td style=\"text-align: right;\"><strong>60</strong></td><td style=\"text-align: right;\"><strong>0</strong></td><td style=\"text-align: right;\"><strong>0</strong></td></tr></tbody></table>\n<p>No deputy voted against the majority of their party in this vote.</p>"}