Spar Nord Bank A/S - bødevedtagelse

Spar Nord Bank har erkendt at have overtrådt betalingsloven og har accepteret at betale en bøde på 1,5 millioner kroner. Banken afslog at give betalingsinstituttet Vexel adgang til bankens kontotjenester. Spar Nord Bank begrundede blandt andet afslaget med, at Vexel driver konkurrerende virksomhed.

Hent bødeforlæg Læs pressemeddelelse 
Lucene.Net.Store.LockObtainFailedException: Lock obtain timed out: NativeFSLock@C:\Octopus\Applications\KFST.Production\KFST\shared\u13\RulingNewIndex\write.lock: System.IO.IOException: The process cannot access the file because another process has locked a portion of the file. : 'C:\Octopus\Applications\KFST.Production\KFST\shared\u13\RulingNewIndex\write.lock'
   at System.IO.Strategies.FileStreamHelpers.Lock(SafeFileHandle handle, Boolean _, Int64 position, Int64 length)
   at Lucene.Net.Store.NativeFSLock.Obtain()
 ---> System.IO.IOException: The process cannot access the file because another process has locked a portion of the file. : 'C:\Octopus\Applications\KFST.Production\KFST\shared\u13\RulingNewIndex\write.lock'
   at System.IO.Strategies.FileStreamHelpers.Lock(SafeFileHandle handle, Boolean _, Int64 position, Int64 length)
   at Lucene.Net.Store.NativeFSLock.Obtain()
   --- End of inner exception stack trace ---
   at Lucene.Net.Store.Lock.Obtain(Int64 lockWaitTimeout)
   at Lucene.Net.Index.IndexWriter..ctor(Directory d, IndexWriterConfig conf)
   at Examine.Lucene.Providers.LuceneIndex.CreateIndexWriterWithOpenMode(Directory d, OpenMode openMode)
   at Examine.Lucene.Providers.LuceneIndex.CreateIndexWriter(Directory d)
   at Examine.Lucene.Providers.LuceneIndex.CreateIndexWriterWithLockCheck()
   at Examine.Lucene.Providers.LuceneIndex.get_IndexWriter()
   at Examine.Lucene.Providers.LuceneIndex.CreateSearcher()
   at System.Lazy`1.ViaFactory(LazyThreadSafetyMode mode)
--- End of stack trace from previous location ---
   at System.Lazy`1.CreateValue()
   at KFST.Umbraco.Components.Templates.RulingStatusDetails.RulingStatusDetailsSpotDocTypeGridEditorViewComponent.GetStatus(String caseComplexId) in /src/src/KFST.Umbraco/Components/Templates/RulingStatusDetails/RulingStatusDetailsSpotDocTypeGridEditorViewComponent.cs:line 59
   at KFST.Umbraco.Components.Templates.RulingStatusDetails.RulingStatusDetailsSpotDocTypeGridEditorViewComponent.Invoke(RulingStatusDetailsSpot model, String viewPath) in /src/src/KFST.Umbraco/Components/Templates/RulingStatusDetails/RulingStatusDetailsSpotDocTypeGridEditorViewComponent.cs:line 46
   at lambda_method724(Closure, Object, Object[])
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentInvoker.InvokeSyncCore(ObjectMethodExecutor executor, Object component, ViewComponentContext context)
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentInvoker.InvokeAsync(ViewComponentContext context)
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentInvoker.InvokeAsync(ViewComponentContext context)
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentHelper.InvokeCoreAsync(ViewComponentDescriptor descriptor, Object arguments)
   at AspNetCore.Views_Partials_grid_editors_base.ExecuteAsync() in C:\Octopus\Applications\KFST.Production\KFST\1.3.0.553\Views\Partials\grid\editors\base.cshtml:line 14

Spar Nord Bank har accepteret en bøde på 1,5 millioner kroner for at have overtrådt betalingsloven. Baggrunden for bøden er, at Konkurrencerådet i december 2024 afgjorde, at Spar Nord Bank havde overtrådt betalingsloven ved ulovligt at afvise at give betalingsinstituttet Vexel adgang til Spar Nord Banks kontotjenester. Konkurrencerådet politianmeldte banken for overtrædelsen.

Ifølge reglerne i betalingslovens § 63 har pengeinstitutter pligt til at give betalingsinstitutter adgang til pengeinstitutternes kontotjenester. Bankens vilkår for adgangen til kontotjenesterne skal være objektive, ikke-diskriminerende og proportionale. Bestemmelsen er netop indført, fordi adgang er nødvendig for betalingsinstitutters eksistens, og fordi betalingsinstitutters tilstedeværelse øger konkurrencen på markedet for betalinger.

Spar Nord Banks afslag indeholdt to begrundelser. For det første, at Vexels forretningsmodel lå udenfor Spar Nords forretningsstrategi, og for det andet, at Vexel på visse områder udøvede konkurrerende finansiel virksomhed. Konkurrence- og Forbrugerstyrelsen vurderede, at det første ikke var objektivt fastsat, og at det andet var i direkte strid med betalingslovens § 63.

Reglerne i betalingsloven er ikke til hinder for, at pengeinstitutter kan opsige et betalingsinstitut som kunde, hvis det for eksempel ikke lever op til pengeinstituttets krav og foranstaltninger i forhold til for eksempel hvidvask, og opsigelsen i øvrigt lever op til kravene om objektivitet, ikke-diskrimination og proportionalitet.

Lucene.Net.Store.LockObtainFailedException: Lock obtain timed out: NativeFSLock@C:\Octopus\Applications\KFST.Production\KFST\shared\u13\RulingNewIndex\write.lock: System.IO.IOException: The process cannot access the file because another process has locked a portion of the file. : 'C:\Octopus\Applications\KFST.Production\KFST\shared\u13\RulingNewIndex\write.lock'
   at System.IO.Strategies.FileStreamHelpers.Lock(SafeFileHandle handle, Boolean _, Int64 position, Int64 length)
   at Lucene.Net.Store.NativeFSLock.Obtain()
 ---> System.IO.IOException: The process cannot access the file because another process has locked a portion of the file. : 'C:\Octopus\Applications\KFST.Production\KFST\shared\u13\RulingNewIndex\write.lock'
   at System.IO.Strategies.FileStreamHelpers.Lock(SafeFileHandle handle, Boolean _, Int64 position, Int64 length)
   at Lucene.Net.Store.NativeFSLock.Obtain()
   --- End of inner exception stack trace ---
   at Lucene.Net.Store.Lock.Obtain(Int64 lockWaitTimeout)
   at Lucene.Net.Index.IndexWriter..ctor(Directory d, IndexWriterConfig conf)
   at Examine.Lucene.Providers.LuceneIndex.CreateIndexWriterWithOpenMode(Directory d, OpenMode openMode)
   at Examine.Lucene.Providers.LuceneIndex.CreateIndexWriter(Directory d)
   at Examine.Lucene.Providers.LuceneIndex.CreateIndexWriterWithLockCheck()
   at Examine.Lucene.Providers.LuceneIndex.get_IndexWriter()
   at Examine.Lucene.Providers.LuceneIndex.CreateSearcher()
   at System.Lazy`1.ViaFactory(LazyThreadSafetyMode mode)
--- End of stack trace from previous location ---
   at System.Lazy`1.CreateValue()
   at KFST.Umbraco.Components.Templates.AppealHistory.AppealHistorySpotDocTypeGridEditorViewComponent.GetModelForNewDocType(AppealHistorySpot model, Pages_structuredContent_rulingItemNew rulingItem) in /src/src/KFST.Umbraco/Components/Templates/AppealHistory/AppealHistorySpotDocTypeGridEditorViewComponent.cs:line 92
   at KFST.Umbraco.Components.Templates.AppealHistory.AppealHistorySpotDocTypeGridEditorViewComponent.Invoke(AppealHistorySpot model, String viewPath) in /src/src/KFST.Umbraco/Components/Templates/AppealHistory/AppealHistorySpotDocTypeGridEditorViewComponent.cs:line 40
   at lambda_method632(Closure, Object, Object[])
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentInvoker.InvokeSyncCore(ObjectMethodExecutor executor, Object component, ViewComponentContext context)
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentInvoker.InvokeAsync(ViewComponentContext context)
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentInvoker.InvokeAsync(ViewComponentContext context)
   at Microsoft.AspNetCore.Mvc.ViewComponents.DefaultViewComponentHelper.InvokeCoreAsync(ViewComponentDescriptor descriptor, Object arguments)
   at AspNetCore.Views_Partials_grid_editors_base.ExecuteAsync() in C:\Octopus\Applications\KFST.Production\KFST\1.3.0.553\Views\Partials\grid\editors\base.cshtml:line 14