COMUNICATO - 13° aggiornamento del 10 aprile 2007 alla circolare n. 229 del 21 aprile 1999: Istruzioni di vigilanza per le banche: emissione e gestione di assegni bancari e postali.
L'attivita' di emissione e gestione di assegni ha registrato nel tempo significativi sviluppi, sia sul piano regolamentare sia su quello operativo, che rendono opportuna una revisione delle disposizioni contenute nelle Istruzioni di vigilanza per le banche (titolo IV, capitolo 11, sezione V, circolare n. 229 del 21 aprile 1999), le quali individuano alcune cautele che le banche devono osservare per evitare i pericoli insiti in un uso non corretto dell'assegno.
Oltre alle novita' intervenute sui servizi di tipo bancario esercitabili da Poste Italiane S.p.a., rileva, in particolare, l'entrata a regime della cosiddetta "Centrale d'allarme interbancaria" (CAI), ovvero dell'archivio informatizzato in cui confluiscono, tra l'altro, le generalita' dei traenti assegni bancari e postali emessi senza autorizzazione o presentati al pagamento in tempo utile in difetto di provvista. Al fine di assicurare il corretto funzionamento della CAI, anche in ragione delle conseguenze per i soggetti iscritti (cd. "revoca di sistema"), la relativa disciplina (legge n. 386/1990, e successive modificazioni) pone a carico degli intermediari specifici obblighi di segnalazione e consultazione dell'archivio, la cui inosservanza puo' essere fonte di responsabilita' patrimoniale.
Anche l'esperienza applicativa maturata dalla Banca d'Italia nell'attivita' di vigilanza sollecita una revisione delle suddette Istruzioni nella prospettiva di ricondurre le specifiche prescrizioni in materia di assegni nell'ambito delle disposizioni concernenti il contenimento del rischio e l'organizzazione e i controlli interni degli intermediari, accentuando il profilo "prudenziale" della normativa, anche ai fini sanzionatori.
Con le accluse disposizioni in tema di "emissione e gestione di assegni bancari e postali", si richiede agli intermediari l'adozione di soluzioni organizzative, procedurali e operative idonee ad assicurare la piena osservanza della normativa in materia di assegni e a fronteggiare i rischi - di credito, operativi, reputazionali - cui possono essere esposti in relazione all'emissione e alla gestione di tali strumenti di pagamento. I piu' rilevanti obblighi in...
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