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The Banking Agency of the Republic of Srpska (Banking Agency) has enacted comprehensive amendments to the Law on Domestic Payment Traffic, establishing enhanced regulatory frameworks for payment services, consumer protection, and mandatory payment system registration. The amendments, enacted through multiple legislative updates between June 2019 and July 2026, modernize Bosnia and Herzegovina's domestic payment infrastructure in alignment with European Union directives. Key developments include the establishment of centralized registries for payment accounts held by individuals and businesses, managed by the Agency for Intermediary, Informatics and Financial Services (APIF). These registries enable efficient identification of accounts during enforcement proceedings and facilitate compliance with anti-money laundering requirements. The legislation mandates that authorized organizations maintain comprehensive account records and provide regular account statements to customers without charge. The amendments introduce mandatory transparency standards requiring authorized organizations to publish standardized fee information for representative payment services. Authorized organizations must provide customers with comparative fee disclosures and annual fee statements detailing all charges incurred. The Banking Agency establishes lists of representative payment services and standardized terminology to facilitate customer comparison across institutions. Significantly, the legislation establishes the right of individuals with residence in the Republic of Srpska to access basic payment accounts offering essential services at reasonable costs. For socially vulnerable users, including pensioners and social welfare recipients, fees cannot exceed 0.15 percent of average monthly net wages. The law prohibits authorized organizations from conditioning basic account access on purchase of additional services. The amendments establish registries for safe deposit boxes held by individuals and businesses, restricting access to authorized users including courts, law enforcement agencies, and financial crime prevention authorities. The legislation strengthens enforcement mechanisms for mandatory collection from accounts while protecting exempt funds and establishing procedural requirements for account blocking and unblocking. Authorized organizations must comply with new requirements within specified timeframes. The Banking Agency issues implementing regulations governing fee transparency, basic account operations, and registry management. The legislation remains subject to ongoing alignment with European Union payment services directives.