L_202601754DE.000101.fmx.xml

ANHANG I

Anhang I des Beschlusses (EU) 2022/911 (EZB/2022/22) wird wie folgt geändert:

Teil I wird wie folgt geändert:

a)	Artikel 14 Absatz 2 erhält folgende Fassung: ‘2. The participant may choose to receive a notification if the floor or ceiling amount is breached. In addition, for MCAs, RTGS DCAs or TIPS DCAs the participant may opt for the breach to trigger a rule-based liquidity transfer order.’

Artikel 26 Absatz 2 erhält folgende Fassung:

‘2. On the occurrence of either of the events set out in point (a) or (b), all obligations of the participant shall be automatically and immediately accelerated, without prior notice and without the need for any prior approval of any authority, so as to be immediately due:

a)	an event of default referred to in Article 24(1);

Any other event of default or event referred to in Article 24(2) that has led to the termination or suspension of the participant’s participation, notwithstanding the commencement of any insolvency proceedings in respect of a participant and notwithstanding any assignment, judicial or other attachment or other disposition of or in respect of the participant’s rights.

In addition, the mutual obligations of the participant and the ECB shall automatically be set off against each other, and the party owing the higher amount shall pay to the other the difference.’

In Teil II wird folgender Artikel 6 Absatz 4 eingefügt:

‘4. An MCA holder may authorise its MCA to be debited in the event that a floor is breached in one or more specified RTGS DCAs, TIPS DCAs or MCAs within the same liquidity transfer group in TARGET-ECB or another TARGET component system. By authorising its account to be debited, the MCA holder instructs the ECB to execute a rule-based liquidity transfer order that credits the RTGS DCA(s), TIPS DCA(s) or MCA(s) whenever the floor is breached.’

In Teil V wird folgender Artikel 7a eingefügt:

‘Article 7a

Rule-based liquidity transfer orders

1. A TIPS DCA holder may specify a floor and/or a ceiling amount for its TIPS DCA.

2. By setting a ceiling and opting for a rule-based liquidity transfer order, if, following the settlement of an instant payment order, a positive recall answer or a liquidity transfer order, the ceiling is breached, the TIPS DCA holder instructs the ECB to execute a rule-based liquidity transfer order that credits an MCA designated by that TIPS DCA holder. The credited MCA may belong to another participant in TARGET-[insert CB/country reference] or in another TARGET component system.

3. By setting a floor and opting for a rule-based liquidity transfer order, if, following the settlement of an instant payment order, a positive recall answer or a liquidity transfer order, the floor is breached, a rule-based liquidity transfer order is initiated that debits an MCA authorised by the MCA holder. The debited MCA may belong to another participant in TARGET-[insert CB/country reference] or in another TARGET component system. The holder of the debited MCA must authorise its MCA to be debited in this manner.’

Teil VII Artikel 12 Absatz 1 erhält folgende Fassung:

‘1. TIPS AS technical account holders may use the broadcast message function offered by TIPS, which allows a TIPS DCA holder or a TIPS AS technical account holder to send a message to all other TIPS DCA holders and TIPS AS technical account holders, to send broadcast messages in the following categories:

a)	“Immediate downtime start”;

b)	“Immediate downtime end”;

c)	“Planned downtime”.’

Anlage VI wird wie folgt geändert:

In Abschnitt 3 Absatz 1 erhält der einleitende Teil folgende Fassung:

‘1.	Until 30 June 2026, RTGS DCA holders shall choose one of the following two pricing options:’.

In Abschnitt 3 wird folgender Absatz 1a eingefügt:

‘1a.

From 1 July 2026, RTGS DCA holders shall choose one of the following two pricing options:

a monthly fee, plus a fixed transaction fee per payment order (debit entry).

Monthly fee	EUR 400
Transaction fee per payment order	EUR 0,80

a monthly fee, plus a transaction fee based on the volume of payment orders (debit entry) and calculated on a cumulative basis as set out in the following table. For participants in a billing group, the monthly volume of payment orders (debit entry) for all participants in that group shall be aggregated.

Monthly fee			EUR 5 000
Monthly volume of payment orders
Band	From	To	Transaction fee per payment order (EUR)
1.	1	10 000	0,60
2.	10 001	35 000	0,50
3.	35 001	80 000	0,40
4.	80 001	135 000	0,20
5.	135 001	200 000	0,125
6.	200 001	300 000	0,08
7.	Above 300 000		0,05’

ANHANG III

Anhang I des Beschlusses (EU) 2022/911 (EZB/2022/22) wird wie folgt geändert:

Teil I wird wie folgt geändert:

Artikel 5 Absatz 1 Buchstabe f erhält folgende Fassung:

‘(f)

if it is an applicant for a TIPS DCA, it has adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, it has adhered to the One-Leg Out Instant Credit Transfer (OCT Inst) scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;’.

Artikel 5 Absatz 1 Buchstabe g erhält folgende Fassung:

‘(g)

if it is an applicant for a TIPS AS technical account, it has provided evidence that the disclosure letter showing their intent to be an SCT Inst compliant Clearing and Settlement Mechanism (CSM) and, if relevant, to be an OCT Inst compliant CSM, has been provided to the European Payments Council (EPC);’.

Artikel 5 Absatz 2 Buchstabe c erhält folgende Fassung:

‘(c)	if it is an applicant for a TIPS DCA, evidence of their adherence to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, that it has adhered to the OCT Inst scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement;’.

Artikel 5 Absatz 2 Buchstabe d erhält folgende Fassung:

‘(d)	if the applicant is applying to use the TIPS AS settlement procedure, evidence that it has provided the EPC with the disclosure letter showing their intent to be an SCT Inst compliant CSM and, if relevant, an OCT Inst compliant CSM;’.

Artikel 17 Absatz 1 Buchstabe b erhält folgende Fassung:

‘b)	instant payment orders shall be deemed entered into TARGET-ECB and irrevocable at the moment that the relevant funds on the TIPS DCA of the participant or on its TIPS AS technical account are reserved;’.

Teil V wird wie folgt geändert:

a)	Artikel 1 Absatz 3 erhält folgende Fassung: ‘3. The TIPS DCA holder shall inform the ECB prior to exercising its option to accept instant payment orders according to the OCT Inst scheme.’

Artikel 3 Absätze 1, 2 und 3 erhalten folgende Fassung:

‘1. A TIPS DCA holder may designate one or more reachable parties and shall inform the ECB if any of these reachable parties accept instant payment orders according to the OCT Inst scheme. Reachable parties shall have adhered to the SCT Inst scheme by signing the SEPA Instant Credit Transfer Adherence Agreement, and, if relevant, the OCT Inst Scheme by signing the One-Leg Out Instant Credit Transfer Adherence Agreement.

2. A TIPS DCA holder shall provide evidence to the ECB of each designated reachable party’s adherence to the SCT Inst scheme and, if relevant, the OCT Inst scheme.

3. A TIPS DCA holder shall inform the ECB if any designated reachable party no longer adheres to the SCT Inst scheme and/or, if relevant, the OCT Inst scheme and shall, without undue delay, take steps to prevent the reachable party from accessing the TIPS DCA.’

c)	Artikel 4 Absatz 1 Buchstabe aa wird gestrichen.

Artikel 6 Absatz 3 erhält folgende Fassung:

‘3. After an instant payment order has been accepted as set out in Part I, Article 16, TARGET-ECB shall check if sufficient funds are available on the payer’s TIPS DCA to effect settlement and the following shall apply:

a)	if sufficient funds are not available, the instant payment order shall be rejected;

if sufficient funds are available, the corresponding amount shall be reserved while awaiting the payee’s response. In the event of acceptance by the payee of an instant payment order, the order shall be settled and the reservation shall be simultaneously lifted. In the event of rejection by the payee of an instant payment order, or the absence of a timely response, within the meaning of the SCT Inst scheme or the OCT Inst scheme, the instant payment order shall be rejected and the reservation shall be simultaneously lifted.’

e)	Artikel 6 Absatz 5 erhält folgende Fassung: ‘5. Without prejudice to paragraph 3, point (b), the ECB shall reject an instant payment order if the amount of the instant payment order exceeds any applicable credit memorandum balance (CMB).’

Artikel 8 Absatz 1 erhält folgende Fassung:

‘1. The TIPS directory is a list of BICs used for the purpose of routing information and comprises the BICs of:

a)	TIPS DCA holders;

b)	reachable parties.

The TIPS directory shall include information for each BIC as to whether the TIPS DCA holder or reachable party accepts instant payment orders according to the OCT Inst scheme.’

Artikel 10 Absatz 4 erhält folgende Fassung:

‘4. The ECB shall process instant payment orders of a TIPS DCA holder whose participation in TARGET-ECB has been suspended or terminated under Part I, Article 24(1) or (2) and in relation to which the ECB has reserved funds on a TIPS DCA pursuant to Part V, Article 6(3), point (b), prior to the suspension or termination.’

Teil VII wird wie folgt geändert:

Artikel 1 Absatz 1 erhält folgende Fassung:

‘1. The ECB may on the request of an AS that settles instant payments pursuant to the SCT Inst scheme, and, if relevant, the OCT Inst scheme and, if relevant, near instant payments in its own books, open and operate one or more TIPS AS technical accounts. If the TIPS AS technical account holder exercises its option to accept instant payment orders according to the OCT Inst scheme, it shall inform the ECB accordingly.’

Artikel 1 Absätze 5 und 6 erhalten folgende Fassung:

‘5. An ancillary system may send instant payment orders and positive recall answers to any TIPS DCA holder or TIPS AS technical account holder, and it may send instant payment orders according to the OCT Inst scheme to any TIPS DCA holder or TIPS AS technical account holder which has opted to receive them.

6. An ancillary system shall receive and process instant payment orders, recall requests and positive recall answers from any TIPS DCA holder or TIPS AS technical account holder. If it has informed the ECB of the exercise of its option in accordance with paragraph 1, it shall accept instant payment orders according to the OCT Inst scheme from any TIPS DCA holder or TIPS AS technical account holder which has opted to send them.’

Artikel 4 Absatz 3 erhält folgende Fassung:

‘3. After an instant payment order has been accepted as set out in Part I, Article 16(1), the ECB shall check if sufficient funds are available on the payer’s TIPS AS technical account to effect settlement and the following shall apply:

a)	if sufficient funds are not available, the instant payment order shall be rejected;

d)	Artikel 4 Absatz 5 erhält folgende Fassung: ‘5. Without prejudice to paragraph 3(b), the ECB shall reject an instant payment order if the amount of the instant payment order exceeds any applicable credit memorandum balance (CMB).’

e)	Artikel 5 Absatz 2 erhält folgende Fassung: ‘2. The recall request shall be forwarded to the payee of the settled instant payment order which may answer with a positive or negative recall answer.’

Artikel 7 Absatz 1 erhält folgende Fassung:

‘1. A TIPS AS technical account holder may designate one or more reachable parties. Reachable parties shall have adhered to the SCT Inst scheme signing the SEPA Instant Credit Transfer Adherence Agreement and, if relevant, to the OCT Inst scheme signing the One-Leg Out Instant Credit Transfer Adherence Agreement, and, if they are addressable in TARGET as RTGS DCA holders, addressable BIC holders or as entities referred to in Part III, Article 3(1), point (a) of Guideline (EU) 2022/912 (ECB/2022/8), having been authorised to use an RTGS DCA by way of multi-addressee access, they shall hold a TIPS DCA or be reachable via a TIPS DCA.’

g)	Artikel 7 Absatz 2 erhält folgende Fassung: ‘2. A TIPS AS technical account holder shall provide evidence to the ECB of each designated reachable party’s adherence to the SCT Inst scheme and, if relevant, the OCT Inst scheme.’

h)	In Artikel 7 wird folgender Absatz 3a eingefügt: ‘(3a) A TIPS AS technical account holder shall inform the ECB if any designated reachable party no longer adheres to the OCT Inst scheme.’

i)	Artikel 8 Absatz 1 Buchstabe d wird gestrichen.

Artikel 9 Absatz 1 erhält folgende Fassung:

‘1. The TIPS directory is a list of BICs used for the purpose of routing information and comprises the BICS of:

a)	TIPS DCA holders;

b)	reachable parties.

The TIPS directory shall include information for each BIC as to whether the TIPS DCA holder or reachable party accepts instant payment orders according to the OCT Inst scheme.’

Artikel 11 Absatz 4 erhält folgende Fassung:

‘4. The ECB shall process instant payment orders of a TIPS AS technical account holder whose participation in TARGET-ECB has been suspended or terminated under Part I, Article 24(1) or (2) and in relation to which the ECB has reserved funds on a TIPS AS technical account pursuant to Part VII, Article 4(3), point (b), prior to the suspension or termination.’

Anlage I wird wie folgt geändert:

In Abschnitt 4 Buchstabe d erhält die Tabelle folgende Fassung:

‘Message Type	Description
Payments Clearing and Settlement (pacs)
pacs.002	FIToFIPayment Status Report
pacs.004	PaymentReturn
pacs.008	FIToFICustomerCreditTransfer
pacs.028	FIToFIPaymentStatusRequest
Cash Management (camt)
camt.003	GetAccount
camt.004	ReturnAccount
camt.011	ModifyLimit
camt.019	ReturnBusinessDayInformation
camt.025	Receipt
camt.027	ClaimNonReceipt
camt.029	ResolutionOfInvestigation
camt.050	LiquidityCreditTransfer
camt.052	BankToCustomerAccountReport
camt.053	BankToCustomerStatement
camt.054	BankToCustomerDebitCreditNotification
camt.056	FIToFIPaymentCancellationRequest
acmt.010	AccountRequestAcknowledgement
acmt.011	AccountRequestRejection
acmt.015	AccountExcludedMandateMaintenanceRequest
admi.004	SystemEventNotification
Reference data (reda)
reda.016	PartyStatusAdviceV01
reda.022	PartyModificationRequestV01’

Abschnitt 4 Buchstabe e erhält folgende Fassung:

‘e)

The following additional message subtypes are used for instant payment orders according to the OCT Inst scheme:

Message Type	Description
pacs.002.001.03	FIToFIPayment Status Report
pacs.008.001.08	FIToFICustomerCreditTransfer
pacs.028.001.03	FIToFIPaymentStatusRequest

Messages related to instant payment orders according to the OCT Inst scheme will be identified with the suffix XCY in the message exchange protocol.’

In Abschnitt 6 erhält der letzte nicht nummerierte Absatz folgende Fassung:

‘If an instant payment order or a positive recall answer is rejected for any reason, the TIPS DCA holder shall receive a payment status report (pacs.002), as described in Chapter 4.2 of the TIPS UDFS. If a liquidity transfer order is rejected for any reason, the TIPS DCA holder shall receive a rejection (camt.025), as described in Chapter 1.6 of the TIPS UDFS.’

Anlage VI wird wie folgt geändert:

Artikel 6 Buchstabe c erhält folgende Fassung:

‘c)

For each instant payment order or positive recall answer accepted bythe ECB] as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS DCA to be debited and to the holder of the TIPS DCA or TIPS AS technical account to be credited, whether or not the instant payment order or positive recall answer settles;’.

Abschnitt 7 Absatz 2 Buchstabe c erhält folgende Fassung:

‘c)

For each instant payment order or positive recall answer accepted by the ECB as set out in Part I, Article 16, a fee of EUR 0,001 shall be charged to both the holder of the TIPS AS technical account to be debited and to the holder of the TIPS AS technical account or TIPS DCA to be credited, whether or not the instant payment order or positive recall answer settles;’.