SloveniaAct on the Accessibility of Products and Services for Persons with Disabilities (ZDPSI), consumer banking services (Articles 13, 30(6) and 39)
ZDPSI 13., 30. (6.) in 39. člen (bančne storitve), Zakon o dostopnosti do proizvodov in storitev za invalide, Uradni list RS, št. 14/23 in 14/26
In force since .
An accessibility requirements rule binding public and private bodies.
What it requires
- If you provide consumer banking services (consumer credit agreements, investment and ancillary services, payment services, payment-account services or electronic money) to consumers and you are not a microenterprise, provide identification methods, electronic signatures, security elements and payment services that are perceivable, usable, understandable and robust (Art. 13).
- Provide information in a form that is understandable and no more complex than level B2 of the Common European Framework of Reference for Languages (Art. 13).
- Also meet the general accessibility conditions and provider duties of Arts. 8 and 21 (see the services row).
These lines are LexLint's reading of the law's text.
If you get it wrong
Penalty structure
Article 39(1) fines a legal person EUR 500 to EUR 5,000, and a legal person that counts as a medium-sized or large company according to the company law EUR 1,000 to EUR 10,000, that does not provide access to consumer banking services in line with the Act. Article 39(2) fines the responsible person of the legal person EUR 50 to EUR 250; the Article states no tier for a sole trader or individual. The fine tiers for services depend on whether the legal person counts as a medium-sized or large company according to the company law: under Article 55(4) and (5) of the Zakon o gospodarskih družbah (ZGD-1), applied in that form from the financial year beginning in 2024, a company is medium-sized if it is neither micro nor small and meets two of: no more than 250 workers on average, net sales revenue not above EUR 50,000,000 and assets not above EUR 25,000,000, and large if it is none of micro, small or medium-sized. The Act states each tier in euros, within the ranges that Article 17(2) of the Minor Offences Act (ZP-1) allows, and no general provision multiplies a ceiling for a company.
- Rule
- Fixed only
- As of
- Minimum
- 500
- Currency
- EUR
- Fixed cap
- 10,000
Who enforces it
Enforcement body
Bank of Slovenia, the Market Inspectorate, the Information Commissioner and the Securities Market Agency, each under the sector law named in Art. 30(6).
What it reaches
Instrument type
an act of a legislature
Applicability criteria
- As of
- Combinator
- All of
- Criteria
- a consumer banking service within Article 3(2) point 4 and Article 5 point 26 of the Act, provided to consumers by any entity that may provide it
- a provider that is not a microenterprise; the Act defines a microenterprise as an enterprise with fewer than ten employees and an annual turnover not above EUR 2 million, or an annual balance sheet total not above EUR 2 million (Article 4(2) and Article 5, point 17)
What this law does
Article 5 point 26 defines consumer banking services as the consumer credit agreements, investment and ancillary services, payment services, payment-account services and electronic money offered to consumers by all entities that may provide them. Article 13 requires a provider of consumer banking services to provide identification methods, electronic signatures, security elements and payment services that are perceivable, usable, understandable and robust.
Article 13 also requires the information to be understandable and no more complex than level B2 of the Common European Framework of Reference for Languages. Article 30(6) assigns supervision of consumer banking services to the Bank of Slovenia, the Market Inspectorate and the Information Commissioner under the consumer credit law, to the Securities Market Agency under the law on the market in financial instruments, and to the Bank of Slovenia under the payment services law.
Article 39(1) fines a legal person EUR 500 to EUR 5,000, and a legal person that counts as a medium-sized or large company according to the company law EUR 1,000 to EUR 10,000, that does not provide access to consumer banking services in line with the Act. Article 39(2) fines the responsible person of the legal person EUR 50 to EUR 250.
When LexLint raises it
When your app profile says your app provides financial services or ships a consumer interface.
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