Side by side
Consultation participation and their own register declarations, side by side. Counts, not judgments — participation is not influence.
Counts here are a floor, never a total: they cover the 583 consultation files tracked so far (42,224 submissions, mostly 2025–26), so an organization's real filing history is larger, not smaller.
Company · Spain
Declared costs: €400K+ a year · in the register since 2015
Industry association · France
Declared costs: €3.5M+ a year · in the register since 2009
Instant payments in euro · Payment services in the internal market · Payment services and electronic money services in the Internal Market
Register facts self-declared (snapshot 2 Sept 2026); cost bands are floors. Shared files are shared attention, not evidence of coordination.
Their opening passages on the files they share, verbatim and in filing order. We do not summarize, compare, or characterize positions — read them at source.
American Express · filed 7 Apr 2021 · source
American Express supports the initiatives by the Commission encourage instant payments across the EU. The design of such initiatives should consider all possible barriers to instant payments to ensure further adoption by consumers and businesses alike. A more developed instant payments infrastructure will open opportunities for payment initiation and acquiring in particular.
French Banking Federation · filed 5 Jan 2023 · source
The French banking community welcomes the European Commission's decision to promote instant payments. However, the European Commission's text proposal on instant payments raises questions at different levels and therefore leads the French banking community to propose adjustments to the four proposed pillars. Please find attached a document that presents the major points of our analysis of the text.
French Banking Federation · filed 26 Oct 2023 · source
Hello The French banking profession, through its federation FBF (French Banking Federation), wishes to make its contribution and thus respond to the European Commission's consultation on its legislative proposal on the revision of PSD2. To do so, please find attached the "Have your say" on the draft PSD3 Regulation. Yours sincerely, FBF
American Express · filed 1 Nov 2023 · source
American Express (Amex) welcomes the proposed Payments Services Package introduced by the European Commission (EC) in June 2023, as these proposed changes will help to foster innovation, strengthen competition, and secure safer payments. Overall, this package marks an important step towards harmonizing payment standards across the EU.
French Banking Federation · filed 26 Oct 2023 · source
Hello The French banking profession, through its federation FBF (French Banking Federation), wishes to make its contribution and thus respond to the European Commission's consultation on its legislative proposal on the revision of PSD2. To do so, please find attached the "Have your say" on the draft PSD3 Directive. Yours sincerely, FBF
American Express · filed 1 Nov 2023 · source
American Express (Amex) welcomes the proposed Payments Services Package introduced by the European Commission (EC) in June 2023, as these proposed changes will help to foster innovation, strengthen competition, and secure safer payments. Overall, this package marks an important step towards harmonizing payment standards across the EU.
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