--- title: "Article 38 — Scope" type: regulation legal_status: in_force source: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117" source_retrieved: 2026-10-08 shortTitle: "Article 38 — Scope" instrument_type: level1_directive authority: Commission binding: true binding_character: binding mica_level2: false legal_basis: "Directive (EU) 2015/2366" instrument: psd2 celex: "32015L2366" regulation: PSD2 regulation-full: "Directive (EU) 2015/2366" article: 38 status: in_force object_id: eu.psd2.legal_text.article.38 text_version: "Consolidated version of 17 January 2025" source_url: "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:02015L2366-20250117" check_status: matched verified: true last_checked: 2026-11-09 --- *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)* 1. This Title applies to single payment transactions, framework contracts and payment transactions covered by them. The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer. 2. Member States may apply the provisions in this Title to microenterprises in the same way as to consumers. 3. This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law. *** [Title III — Transparency of conditions and information requirements for payment services](../titles/iii.md) · [← Article 37](37.md) · [Article 39 →](39.md)