> For the complete documentation index, see [llms.txt](https://www.headlesslaw.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.headlesslaw.com/emd/articles/16.md).

# Article 16 — Full harmonisation

*In force · Consolidated version of 13 January 2018 · Checked against EUR-Lex on 6 Oct 2026 ·* [*Official source*](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009L0110-20180113)

1. Without prejudice to [Article 1(3)](/emd/articles/1.md), the sixth subparagraph of [Article 3(3)](/emd/articles/3.md), [Article 5(7)](/emd/articles/5.md), [Article 7(4)](/emd/articles/7.md), [Article 9](/emd/articles/9.md) and [Article 18(2)](/emd/articles/18.md) and in so far as this Directive provides for harmonisation, Member States shall not maintain or introduce provisions other than those laid down in this Directive.
2. Member States shall ensure that an electronic money issuer does not derogate, to the detriment of an electronic money holder, from the provisions of national law implementing or corresponding to provisions of this Directive except where explicitly provided for therein.

***

[Title IV — Final provisions and implementing measures](/emd/titles/iv.md) · [← Article 15](/emd/articles/15.md) · [Article 17 →](/emd/articles/17.md)


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