COMUNICATO - Trasparenza delle operazioni e dei servizi bancari e finanziari - Correttezza delle relazioni tra intermediari e clienti - Recepimento della direttiva 2011/90/UE in materia di ipotesi di calcolo del TAEG. (13A02967)
La Commissione europea ha modificato le ipotesi di calcolo del tasso effettivo globale previste dall'allegato I alla direttiva 2008/48/CE sui contratti di credito ai consumatori (cfr. direttiva 2011/90/UE, adottata in applicazione dell'art. 19, paragrafo 5, della direttiva 2008/48/CE). L'art. 121, comma 3, del decreto legislativo 1° settembre 1993, n. 385, (Testo unico bancario o TUB) e l'art. 3 del decreto del Ministro dell'economia e delle finanze - Presidente del CICR 3 febbraio 2011, n. 117, affidano alla Banca d'Italia il compito di disciplinare le modalita' di calcolo del TAEG in conformita' della direttiva 2008/48/CE. Con il presente provvedimento si da' attuazione alla citata direttiva della Commissione europea 2011/90/UE. A tal fine: gli allegati 5B e 5C al provvedimento della Banca d'Italia 29 luglio 2009 recante Trasparenza delle operazioni e dei servizi bancari e finanziari - Correttezza delle relazioni tra intermediari e clienti sono sostituiti con un unico allegato, accluso al presente provvedimento (che viene numerato 5B). Tutti i riferimenti contenuti nel provvedimento 29 luglio 2009 agli allegati 5B e 5C saranno da intendersi come riferiti al nuovo allegato 5B;
per quanto riguarda le aperture di credito: i) verra' pubblicizzato un unico TAEG, calcolato in conformita' del paragrafo 4.2.4 della sezione VII del provvedimento 29 luglio 2009 e del nuovo allegato 5B;
ii) in deroga a quanto previsto dal paragrafo 4.2.4 della sezione VII del provvedimento 29 luglio 2009, ai fini del calcolo del TAEG continuano a essere inclusi i canoni periodici e le altre spese fisse relative ai conti a servizio esclusivo del finanziamento, i costi di gestione del conto corrente funzionali all'utilizzo del finanziamento nonche' i costi relativi ai pagamenti e ai prelievi...
Per continuare a leggere
RICHIEDI UNA PROVAGli abbonati possono accedere alla versione segnalata di questo caso.
You can sign up for a trial and make the most of our service including these benefits.
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Gli abbonati possono vedere una lista di tutti i casi citati e la legislazione di un documento.
You can sign up for a trial and make the most of our service including these benefits.
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Gli abbonati possono vedere una lista di tutti i documenti che hanno citato il caso.
You can sign up for a trial and make the most of our service including these benefits.
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Gli abbonati possono vedere le versioni riviste della legislazione con emendamenti
You can sign up for a trial and make the most of our service including these benefits.
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Gli abbonati possono vedere tutte le eventuali correzioni effettuate sul caso.
You can sign up for a trial and make the most of our service including these benefits.
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Gli abbonati hanno accesso ad una rappresentazione grafica delle relazioni tra il caso corrente e i casi a lui collegati. Un'alternativa alla lista dei casi, la 'Mappa dei Precedenti', rende più facile stabilire quale caso ha maggiore rilevanza nella tua ricerca e permette di capire quali casi meritano un ulteriore approfondimento. La visione d'insieme permette inoltre di capire come il caso è stato ricevuto
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.
Gli abbonati possono vedere la lista dei risultati collegati al tuo documento attraverso gli argomenti e le citazioni che Vincent ha trovato.
You can sign up for a trial and make the most of our service including these benefits.
Perché iscriversi a vLex?
-
Over 100 Countries
Search over 120 million documents from over 100 countries including primary and secondary collections of legislation, case law, regulations, practical law, news, forms and contracts, books, journals, and more.
-
Thousands of Data Sources
Updated daily, vLex brings together legal information from over 750 publishing partners, providing access to over 2,500 legal and news sources from the world’s leading publishers.
-
Find What You Need, Quickly
Advanced A.I. technology developed exclusively by vLex editorially enriches legal information to make it accessible, with instant translation into 14 languages for enhanced discoverability and comparative research.
-
Over 2 million registered users
Founded over 20 years ago, vLex provides a first-class and comprehensive service for lawyers, law firms, government departments, and law schools around the world.