{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"current_only","held_since":"2026-05-11","gaps":[],"covered":["EBA Q&A 2025_7604 — Q&A — Obstacle assessment of requiring multiple manual [Rejected question] L3"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"the EBA publication"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes","url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes","title":"EBA Q&A 2025_7604 — Q&A — Obstacle assessment of requiring multiple manual [Rejected question]","family":"l3","work_id":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes","status":"rejected question","force_status":null,"date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"EBA Q&A register, 11 May 2026","check":{"against":"the EBA publication","on":"2026-10-26"},"check_result":"matched","official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7604","valid_from":"0001-01-01","valid_until":null,"revision":1,"content_id":"3a201a3c9a7e9ba5","change_date":null,"nearest_versions":["2026-05-11"],"first_text_date":null,"correction_applies":false,"versions":["2026-05-11"],"version_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes/versions/2026-05-11","revision_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes/versions/2026-05-11/rev/3a201a3c9a7e9ba5","versions_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes/versions","relations_url":"https://www.headlesslaw.com/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes/relations","source_line":"Question published in the EBA Q&A tool · no answer · not legislation · published 11 May 2026 [Rejected question]","attribution":{"prepared_by":"not stated in the document","published_by":"EBA","published_in":"EBA Single Rulebook Q&A tool","document_type":"qa_question","legal_nature":"not_legislation","addressees":"not stated in the document","dates":{"published_on":"2026-05-11","question_submitted_on":"2025-10-17","locators":{"published_on":"EBA Q&A register entry 2025_7604, field 'Rejected publishing date'","question_submitted_on":"EBA Q&A register entry 2025_7604, field 'Submission date'"}},"adoption":null}},"provenance":{"official_url":"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7604","check":{"result":"matched","checked_at":"2026-10-26","against":"the EBA publication"},"repo_path":"spaces/psd2/level-3/q-and-a/eba/eba-qa-2025-7604-obstacle-assessment-of-requiring-multiple-manual-checkboxes.md","body_sha256":"5c82befae8f3c2050294cc3569dd19b48a4488b4badadffc2fbc746e68d9e20c"},"units":[],"markdown":"---\ntitle: \"EBA Q&A 2025_7604 — Q&A — Obstacle assessment of requiring multiple manual [Rejected question]\"\nshortTitle: \"EBA Q&A 2025_7604 — Q&A — Obstacle assessment of requiring multiple manual [Rejected question]\"\nanswer_id: EBA_QA_2025_7604\nstatus: \"Rejected question\"\ntype: qa\ninstrument_type: qa\nauthority: EBA\nbinding: false\nbinding_character: non_binding\nlegal_status: withdrawn\nregulation: \"PSD2\"\npsd2_level3: true\nmica_level2: false\nlegal_basis: \"PSD2\"\ndate: 11 May 2026\nsource_link: https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7604\nlifecycle: \"Rejected question\"\ntext_version: \"EBA Q&A register, 11 May 2026\"\nsource_url: \"https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7604\"\ncheck_status: matched\nverified: true\nlast_checked: 2026-10-26\nchecked_against: \"the EBA publication\"\nsource:\n  prepared_by: \"not stated in the document\"\n  published_by: \"EBA\"\n  published_in: \"EBA Single Rulebook Q&A tool\"\n  evidence:\n    prepared_by: \"Other\"\n    locator: \"EBA Q&A register entry 2025_7604: no answer; the register names only the 'Type of submitter'\"\ndocument_type: \"qa_question\"\nlegal_nature: \"not_legislation\"\naddressees: \"not stated in the document\"\ndates:\n  published_on: \"2026-05-11\"\n  question_submitted_on: \"2025-10-17\"\n  locators:\n    published_on: \"EBA Q&A register entry 2025_7604, field 'Rejected publishing date'\"\n    question_submitted_on: \"EBA Q&A register entry 2025_7604, field 'Submission date'\"\nlifecycle_label: \"Rejected question\"\n---\n\n**Question published in the EBA Q&A tool · no answer · not legislation · published 11 May 2026 [Rejected question]**\n\n*Rejected question · EBA Q&A register, 11 May 2026 · Checked against the EBA publication on 26 Oct 2026 · [Official source](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7604)*\n\n| | |\n|---|---|\n| **Full title** | EBA Q&A 2025_7604 — Q&A — Obstacle assessment of requiring multiple manual \\[Rejected question\\] |\n| **Prepared by** | Not stated in the document |\n| **Published by** | EBA, in the EBA Single Rulebook Q&A tool |\n| **Reference** | EBA_QA_2025_7604 |\n| **Document type** | Q&A |\n| **Legal nature** | No answer · not legislation |\n| **Addressees** | Not stated in the document |\n| **Dates** | Published 11 May 2026; question submitted 17 October 2025 |\n| **Legal basis** | PSD2 |\n| **Related instruments** | None recorded |\n| **Text on this page** | Word for word — the full text of the EBA publication |\n\n**Obstacle assessment of requiring multiple manual checkboxes for a single AIS consent**\n\n### Question\n\nDoes the practice of an ASPSP requiring a PSU to manually tick multiple, separate checkboxes for different categories of account data in order to grant a single consent for an Account Information Service (AIS) constitute an obstacle under Article 32(3) of the RTS, by adding unnecessary steps and friction to the user journey?\n\n### Background\n\nArticle 32(3) of the RTS prohibits the creation of obstacles. Paragraph 15 of the EBA Opinion on obstacles (EBA/OP/2020/10) specifies that the authentication journey should not create \"unnecessary friction or add unnecessary steps\".\n\nWhen a PSU provides consent to an Account Information Service Provider (AISP) for access to their payment account information, this is typically a single, holistic act of consent for the scope of the AISP's service. However, some ASPSPs, during the redirection journey, present the PSU with a consent screen that breaks this single consent down into multiple, separate checkboxes. The PSU is then required to manually tick each box (e.g., one for 'account details', another for 'account balance', and a third for 'transaction history') to proceed.\n\nThis practice creates confusion, as the PSU has already provided their consent to the AISP. It also adds several manual steps to the process. It is unclear if this design pattern, which dissects a single user intent into multiple required actions, is compliant with the RTS.\n\n***\n\n### Answer\n\nThis question has been rejected because EBA guidance or clarification is not needed. The question has already been addressed in paragraph 43 of the EBA Opinion on obstacles (EBA/OP/2020/10).\n\n***\n\n**Source:** [EBA original document](https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2025_7604)\n"}