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DRAFT OPINION (COM(2023)0369 – C90219/2023 – 2023/0212(COD))

On the proposal for a regulation of the European Parliament and of the Council on the establishment of the digital euro

LIBE-PA-754988

Committee on Civil Liberties, Justice and Home Affairs · Rapporteur: Emil Radev

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The draft opinion proposes amendments to the digital euro regulation, focusing on privacy, data protection, financial inclusion, and the role of non-euro area member states. It requires information measures on fundamental rights, separate holding limits for offline and online digital euro, and free basic services without bundled charges. It mandates AML/CFT compliance, data protection by design, and consultation with the EDPS and AMLA.

Committee position. The Committee on Civil Liberties, Justice and Home Affairs proposes amendments to the digital euro regulation to strengthen privacy, data protection, and financial inclusion, and to clarify the role of non-euro area member states.

Key points

  1. Member states whose currency is the euro should inform citizens about digital euro benefits and fundamental rights aspects; others may do so with ECB cooperation.
  2. Digital euro services should extend to residents, asylum seekers, and those without residence permits but unable to be expelled, and to former residents.
  3. Holding limits for offline and online digital euro should apply separately and independently, to protect privacy.
  4. Basic digital euro services should be free, with no bundled charges for non-digital euro services.
  5. The ECB should cooperate with non-euro area central banks and conclude agreements to avoid dominance of the digital euro in non-euro member states.
  6. Online digital euro transactions are subject to AML/CFT rules; AMLA should develop technical standards for customer due diligence and simplified measures for low-risk transactions.
  7. The Commission and ECB must apply data protection by design and by default in delegated acts and detailed measures.
  8. AMLA and EBA should issue guidelines on AML/CFT and basic services to promote financial inclusion of vulnerable groups.
  9. Payment service providers must verify listed persons immediately after new sanctions, not daily.
  10. The ECB should consult the EDPS and AMLA on fraud detection, and ensure data minimisation and segregation to prevent identification of users.
  11. Transaction data should not be processed by PSPs or central banks.
  12. The Commission must consult AMLA on money laundering threats from offline digital euro before setting holding limits.

Who is affected

  • Payment service providers: must comply with AML/CFT, data protection, and new verification rules.
  • Digital euro users: benefit from free basic services and separate offline/online holding limits.
  • Non-euro area member states: may receive information and cooperation from the ECB.
  • Vulnerable groups (asylum seekers, homeless, etc.): included in financial inclusion guidelines.