{"release":{"id":"2d86bd12ba77a288053b34ea2517324b92d03c8039b7f5d156fa4002421384a1","published":"2026-11-10T16:06:46Z","pinned":false},"limits":{"coverage":{"history":"full","held_since":"2015-12-23","gaps":[],"covered":["PSD2 L1"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"2d86bd12ba77a288053b34ea2517324b92d03c8039b7f5d156fa4002421384a1","release_published":"2026-11-10T16:06:46Z","checked_at":"2026-11-09","checked_against":"EUR-Lex"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/articles/21","url":"https://www.headlesslaw.com/psd2/articles/21","title":"Article 21 — Record-keeping","family":"l1_generated","work_id":"psd2","status":"in_force","force_status":"in_force","date_state":"current","requested_date":null,"as_of":"2026-11-11","applies_from":null,"application":null,"version_label":"Consolidated version of 23 December 2015","check":{"against":"EUR-Lex","on":"2026-11-09"},"check_result":"matched","official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117","valid_from":"2015-12-23","valid_until":null,"revision":1,"content_id":"5883bc0c0228addc","change_date":null,"nearest_versions":["2015-12-23"],"first_text_date":"2015-11-25","correction_applies":false,"versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/articles/21/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/articles/21/versions/2015-12-23/rev/5883bc0c0228addc","versions_url":"https://www.headlesslaw.com/psd2/articles/21/versions","relations_url":"https://www.headlesslaw.com/psd2/articles/21/relations","source_line":null,"attribution":null},"provenance":{"official_url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117","check":{"result":"matched","checked_at":"2026-11-09","against":"EUR-Lex"},"repo_path":null,"body_sha256":"2c37d3f33087feffc63253219c7f0861fa7e5e066a7801923c47e1e7c58fc584","markdown_sha256":"39562e493e4e0e07894e3e700137037c6d725cf57fe672d00c2d981ee779347d"},"units":[{"locator":"psd2/art/21","kind":"article","status":"in_force","label":null,"heading":"Record-keeping","text":"","marks":[],"revision":1,"text_hash":"e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855","reason":null},{"locator":"psd2/art/21/subpara/1","kind":"subparagraph","status":"in_force","label":null,"heading":null,"text":"Member States shall require payment institutions to keep all appropriate records for the purpose of this Title for at least 5 years, without prejudice to Directive (EU) 2015/849 or other relevant Union law.","marks":[],"revision":1,"text_hash":"0ada7f61cee786d9264a1e07d2085380ffbc165217547076cf7987da6e54b0a8","reason":null}],"markdown":"*In force · Consolidated version of 17 January 2025 · Verified 9 Nov 2026 · [Official source](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117)*\n\nMember States shall require payment institutions to keep all appropriate records for the purpose of this Title for at least 5 years, without prejudice to Directive (EU) 2015/849 or other relevant Union law.\n\n***\n\n[Title II — Payment service providers](../titles/ii.md) · [← Article 20](20.md) · [Article 22 →](22.md)\n"}