--- title: "Article 16 — Full harmonisation" type: regulation legal_status: in_force source: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009L0110-20180113" source_retrieved: 2026-10-06 shortTitle: "Article 16 — Full harmonisation" instrument_type: level1_directive authority: Commission binding: true binding_character: binding mica_level2: false legal_basis: "Directive 2009/110/EC" instrument: emd celex: "32009L0110" regulation: EMD regulation-full: "Directive 2009/110/EC" article: 16 status: in_force object_id: eu.emd.legal_text.article.16 text_version: "Consolidated version of 13 January 2018" source_url: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009L0110-20180113" check_status: matched verified: true last_checked: 2026-11-09 --- *In force · Consolidated version of 13 January 2018 · Verified 9 Nov 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02009L0110-20180113)* 1. Without prejudice to [Article 1(3)](1.md), the sixth subparagraph of [Article 3(3)](3.md), [Article 5(7)](5.md), [Article 7(4)](7.md), [Article 9](9.md) and [Article 18(2)](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](../titles/iv.md) · [← Article 15](15.md) · [Article 17 →](17.md)