{"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":13,"total":13,"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":"2025-01-17","relations_url":"https://www.headlesslaw.com/psd2/articles/74/relations"},"as_of":"2025-01-17","counts":{"refers_to:out":4,"amended_by:out":1,"refers_to:in":5,"answers:in":3},"relations":[{"edge_id":"30a51d4e39df107105d1","scope":"unit","type":"refers_to","direction":"out","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 69(1)","dst_raw":"eu.psd2.article.69","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/69","url":"/psd2/articles/69","title":"Obligations of the payment service user in relation to payment instruments and personalised security credentials","key":"69","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.74","source_block_id":"eu.psd2.article.74.paragraph.3"}},{"edge_id":"5788f46d9172c88b6812","scope":"unit","type":"refers_to","direction":"out","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 70(1)","dst_raw":"eu.psd2.article.70","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/70","url":"/psd2/articles/70","title":"Obligations of the payment service provider in relation to payment instruments","key":"70","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.74","source_block_id":"eu.psd2.article.74.paragraph.3"}},{"edge_id":"03f28e77403fad3f7878","scope":"unit","type":"amended_by","direction":"out","resolution":"external","basis":"cellar_consolidation_metadata","method":"cellar-inventory","confidence":"single_act","src_from":"2025-01-17","src_until":null,"span":null,"dst_raw":"32022L2556","other":null,"evidence":{"consolidation":"02015L2366-20250117","incorporates":["32022L2556"]}},{"edge_id":"7489edf931ae4f621ac5","scope":"unit","type":"refers_to","direction":"out","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 69","dst_raw":"eu.psd2.article.69","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/69","url":"/psd2/articles/69","title":"Obligations of the payment service user in relation to payment instruments and personalised security credentials","key":"69","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.74","source_block_id":"eu.psd2.article.74.paragraph.1"}},{"edge_id":"f6c3fce9587bba94936c","scope":"unit","type":"refers_to","direction":"out","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 73","dst_raw":"eu.psd2.article.73","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/73","url":"/psd2/articles/73","title":"Payment service provider’s liability for unauthorised payment transactions","key":"73","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.74","source_block_id":"eu.psd2.article.74.paragraph.1"}},{"edge_id":"12028aa5aaf190b9432b","scope":"unit","type":"refers_to","direction":"in","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 74(1)","dst_raw":"eu.psd2.article.74","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/63/para/1/pt/b","url":"/psd2/articles/63#p-1-b","title":"Derogation for low value payment instruments and electronic money","key":"63(1)(b)","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.63","source_block_id":"eu.psd2.article.63.paragraph.1.point.b"}},{"edge_id":"17c0fdedb2c1a276a2dc","scope":"unit","type":"refers_to","direction":"in","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 74(3)","dst_raw":"eu.psd2.article.74","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/63/para/1/pt/a","url":"/psd2/articles/63#p-1-a","title":"Derogation for low value payment instruments and electronic money","key":"63(1)(a)","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.63","source_block_id":"eu.psd2.article.63.paragraph.1.point.a"}},{"edge_id":"8072a445573df0febd17","scope":"unit","type":"refers_to","direction":"in","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 74(1)","dst_raw":"eu.psd2.article.74","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/104/subpara/1/pt/b","url":"/psd2/articles/104#p-b","title":"Delegated acts","key":"104(b)","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.104","source_block_id":"eu.psd2.article.104.subparagraph.1.point.b"}},{"edge_id":"acfbea11922aa30747b1","scope":"unit","type":"refers_to","direction":"in","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 74","dst_raw":"eu.psd2.article.74","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/52/subpara/1/pt/5/subpt/d","url":"/psd2/articles/52#p-5-d","title":"Information and conditions","key":"52(5)(d)","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.52","source_block_id":"eu.psd2.article.52.subparagraph.1.point.5.subpoint.d"}},{"edge_id":"bcc60110c0060782e34c","scope":"unit","type":"refers_to","direction":"in","resolution":"resolved","basis":"explicit_legal_cross_reference","method":"extracted_relationships","confidence":"medium","src_from":"2025-01-17","src_until":null,"span":"Article 74(1)","dst_raw":"eu.psd2.article.74","other":{"work_id":"psd2","level":"L1","locator":"psd2/art/107/para/1","url":"/psd2/articles/107#p-1","title":"Full harmonisation","key":"107(1)","state_on_date":"in_force"},"evidence":{"object":"eu.psd2.legal_text.article.107","source_block_id":"eu.psd2.article.107.paragraph.1"}},{"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)"}