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M. whereas there is no definition of marginalised community at present at European Union level; whereas understanding the report begins by understanding marginalisation based on an analysis of specific attributes and characteristics of marginalised groups, which takes into account their specific situation and needs, such as living and working conditions, limited access to education and health care systems and employment, early school leaving, accompanied by structural and systemic exclusion and aims at ensuring their effective socio-economic inclusion;

M. whereas there is no definition of marginalised community at present at European Union level; whereas understanding the report begins by understanding marginalisation based on an analysis of specific attributes and characteristics of marginalised groups, which takes into account their specific situation and needs, such as living and working conditions, limited access to education and health care systems and employment, early school leaving, accompanied by structural and systemic exclusion and aims at ensuring their effective socio-economic inclusion;

6. The subject shall be informed that the summary of the results of the clinical trial and a summary presented in terms understandable to a layperson will be made available in the EU database, referred to in Article 81 (the ‘EU database’), pursuant to Article 37(4), irrespective of the outcome of the clinical trial, and, to the extent possible, when the summaries become available.

General, clear and comprehensible information should therefore be provided to consumers by Member States as well as by payment service providers on the main features and conditions of the use of such accounts as well as on the practical steps that the consumer should follow in exercising the right to open a basic payment account.