{"release":{"id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","published":"2026-11-01T16:41:30Z","pinned":false},"limits":{"coverage":{"history":"full","held_since":"2015-12-23","gaps":[],"covered":["PSD2 L1"],"not_covered":["national guidance","court decisions"]},"freshness":{"release_id":"a4f2a0495fe55b47323883f82977a9b34ab66171ec9623e39925d3a7045b6c81","release_published":"2026-11-01T16:41:30Z","checked_at":"2026-10-26","checked_against":"EUR-Lex"},"truncation":null,"failures":[],"incomplete":[]},"page":{"path":"/psd2/recitals/64","url":"https://www.headlesslaw.com/psd2/recitals/64","title":"Recital 64","family":"l1_recital_view","work_id":"psd2","view_of":"/psd2/recitals","status":"in_force","force_status":"in_force","date_state":"current","requested_date":null,"as_of":"2026-11-01","applies_from":null,"application":null,"version_label":"Directive (EU) 2015/2366, OJ L 337, 23.12.2015","check":{"against":"EUR-Lex","on":"2026-10-26"},"check_result":"matched","official_url":"https://eur-lex.europa.eu/eli/dir/2015/2366/oj/eng","valid_from":"2015-12-23","valid_until":null,"content_id":"8407ca74f04b1a1e","versions":["2015-12-23"],"version_url":"https://www.headlesslaw.com/psd2/recitals/64/versions/2015-12-23","revision_url":"https://www.headlesslaw.com/psd2/recitals/64/versions/2015-12-23/rev/8407ca74f04b1a1e","versions_url":"https://www.headlesslaw.com/psd2/recitals/64/versions","relations_url":"https://www.headlesslaw.com/psd2/recitals/64/relations","act_url":"https://www.headlesslaw.com/psd2/recitals","source_line":null,"attribution":null,"context":{"act":{"work_id":"psd2","path":"/psd2/recitals","name":"PSD2","number":"Directive (EU) 2015/2366","celex":"32015L2366","title_official":null,"document_date":null},"position":{"kind":"recital","key":"64","index":64,"articles":113,"annexes":0},"prev":{"path":"/psd2/recitals/63","key":"63","title":"Recital 63"},"next":{"path":"/psd2/recitals/65","key":"65","title":"Recital 65"},"act_anchor":""}},"provenance":{"official_url":"https://eur-lex.europa.eu/eli/dir/2015/2366/oj/eng","check":{"result":"matched","checked_at":"2026-10-26","against":"EUR-Lex"},"repo_path":"spaces/psd2/recitals.md","unit_text_sha256":"573750f94d43d9188f9c87d47045ccb86766326fe38550aa70137418ea875fb0","note":"the unit is a byte-exact part of the act page, whose check record covers it"},"unit":{"locator":"psd2/recitals/rec/64","kind":"recital","key":"64","heading":"","text":"Contractual provisions should not, as their object or effect, discriminate against consumers who are legally resident in the Union, on the grounds of their nationality or place of residence. For example, where a framework contract provides for the right to block the payment instrument for objectively justified reasons, the payment service provider should not be able to invoke that right merely because the payment service user has changed its place of residence within the Union.","marks":[],"text_hash":"573750f94d43d9188f9c87d47045ccb86766326fe38550aa70137418ea875fb0","revision":1,"blocks":[{"locator":"psd2/recitals/rec/64/block/1","text_hash":"573750f94d43d9188f9c87d47045ccb86766326fe38550aa70137418ea875fb0","revision":1}]}}