{"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":null,"checked_against":null},"truncation":{"shown":3,"total":3,"capped":false,"cap":1000,"next_cursor":null},"failures":[],"incomplete":[]},"page":{"path":"/psd2/articles/74","url":"https://www.headlesslaw.com/psd2/articles/74","title":"Article 74 — Payer’s liability for unauthorised payment transactions","work_id":"psd2","date_state":"past","as_of":"2024-04-08","relations_url":"https://www.headlesslaw.com/psd2/articles/74/relations"},"as_of":"2024-04-08","counts":{"answers:in":3},"relations":[{"edge_id":"6456d2cde42d44585d4e","scope":"unit","type":"answers","direction":"in","resolution":"resolved","basis":"curated_mapping","method":"stated_legal_basis","confidence":"curated","src_from":"2019-07-19","src_until":null,"span":null,"dst_raw":"eu.psd2.article.74","other":{"work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4042-liability-for-fraud-when-sca-exemption-used","level":"L3","locator":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4042-liability-for-fraud-when-sca-exemption-used/page","url":"/psd2/level-3/q-and-a/eba/eba-qa-2018-4042-liability-for-fraud-when-sca-exemption-used","title":"Q&A — Liability for fraud when SCA exemption used [Final Q&A]","key":"EBA Q&A 2018_4042","state_on_date":"in_force"},"evidence":{"evidence":"legal_basis: Article 74 PSD2","doc_type":"qa"}},{"edge_id":"0053077b3cf61df0b0fe","scope":"unit","type":"answers","direction":"in","resolution":"resolved","basis":"curated_mapping","method":"stated_legal_basis","confidence":"curated","src_from":"2021-12-17","src_until":null,"span":null,"dst_raw":"eu.psd2.article.74","other":{"work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4440-revocation-invalidation-of-sca-proof-before-execution-date","level":"L3","locator":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2018-4440-revocation-invalidation-of-sca-proof-before-execution-date/page","url":"/psd2/level-3/q-and-a/eba/eba-qa-2018-4440-revocation-invalidation-of-sca-proof-before-execution-date","title":"Q&A — Revocation / Invalidation of SCA proof before execution [Final Q&A]","key":"EBA Q&A 2018_4440","state_on_date":"in_force"},"evidence":{"evidence":"legal_basis: Article 74 PSD2","doc_type":"qa"}},{"edge_id":"49250403c23648ca6e05","scope":"unit","type":"answers","direction":"in","resolution":"resolved","basis":"curated_mapping","method":"stated_legal_basis","confidence":"curated","src_from":"2023-01-06","src_until":null,"span":null,"dst_raw":"eu.psd2.article.74","other":{"work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2021-6305-articulation-and-interaction-of-the-second-and-the-third","level":"L3","locator":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2021-6305-articulation-and-interaction-of-the-second-and-the-third/page","url":"/psd2/level-3/q-and-a/eba/eba-qa-2021-6305-articulation-and-interaction-of-the-second-and-the-third","title":"Q&A — Articulation and interaction of the second and the third [Final Q&A]","key":"EBA Q&A 2021_6305","state_on_date":"in_force"},"evidence":{"evidence":"legal_basis: Article 74(1) PSD2","doc_type":"qa"}}],"not_served":["exempts","derogates_from"],"note":"inverse edges are computed from the stored direction; floating targets are resolved on as_of (other.state_on_date)"}