PROVVEDIMENTO 9 febbraio 2011 - Trasparenza delle operazioni e dei servizi bancari e finanziari - Correttezza delle relazioni tra intermediari e clienti - Recepimento della Direttiva sul credito ai consumatori. (11A01924)
IL GOVERNATORE DELLA BANCA D'ITALIA
Il Titolo I del decreto legislativo 13 agosto 2010, n. 141, e successive modificazioni, ha sostituito il Capo II del Titolo VI del Testo unico bancario per recepire la direttiva 2008/48/CE sui contratti di credito ai consumatori e ha affidato alla Banca d'Italia, in conformita' alle deliberazioni del CICR, il compito di disciplinare i dettagli tecnici della materia. Con l'accluso provvedimento vengono quindi emanate nuove disposizioni in materia di credito ai consumatori.
Le accluse disposizioni integrano il provvedimento del 29 luglio 2009 in materia di «Trasparenza delle operazioni e dei servizi bancari e finanziari. Correttezza delle relazioni tra intermediari e clienti». In particolare, la sezione VII del provvedimento (specificamente dedicata al credito ai consumatori), viene modificata per recepire le previsioni della direttiva e fornire, ove opportuno, chiarimenti interpretativi e indicazioni volte a coordinare l'applicazione della disciplina sul credito ai consumatori con la normativa generale sulla trasparenza delle operazioni e dei servizi, contenuta nelle altre sezioni del provvedimento.
Viene, inoltre, modificato il paragrafo 8 della sezione II, in connessione con le nuove disposizioni in materia di calcolo del TAEG, e viene integrata la sezione XI, per prevedere presidi di carattere organizzativo con riguardo all'offerta di servizi accessori insieme a un contratto di finanziamento, che si applicano anche ai contratti di credito ai consumatori.
Per comodita' di consultazione del provvedimento del 2009, gia' sostituito nel febbraio 2010 in seguito al recepimento della direttiva sui servizi di pagamento, si provvede a una sua complessiva ripubblicazione. L'accluso provvedimento sostituisce quindi in modo integrale le omonime disposizioni del 29 luglio 2009. Le modifiche apportate sono limitate a quelle connesse con le nuove previsioni in materia di credito ai consumatori; le altre modifiche, necessarie per tener conto delle ulteriori innovazioni introdotte in materia di tutela della clientela dal decreto legislativo n. 141/2010, verranno effettuate successivamente.
Gli allegati alle disposizioni del 29 luglio 2009 - come successivamente...
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