{
  "node_id": "eu-psd3-proposal-2023",
  "title": "Proposal for a Regulation on payment services in the internal market (PSR) and a Directive on payment services and electronic money services in the Internal Market (PSD3)",
  "domain": "Banking & Global Finance",
  "version": "1.0.0",
  "last_updated": "2026-04-16",
  "bluf": "This proposal evolves PSD2 to enhance consumer protection, improve open banking competition, and strengthen enforcement by introducing stricter Strong Customer Authentication (SCA) rules, expanding data access for third-party providers (TPPs), and merging the legal frameworks for electronic money and payment services (PSR Article 1, PSD3 Article 1). It applies to all payment service providers (PSPs), including banks, e-money institutions, and payment institutions operating within the EU.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "nist_framework",
      "iso_standard",
      "industry_mapping",
      "ai_overlay_2026"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "psd2-sc-authentication",
    "eba-outsourcing-guide",
    "bcbs-principles-operational-resilience",
    "nist-cybersecurity-framework-2-0"
  ],
  "primary_citations_count": 7
}