La Direttiva sul Credito al Consumo passa al Parlamento Europeo Il Parlamento Europeo ha approvato la nuova direttiva sul credito al consumo. Si aspetta ora solo formalmente che ritorni al Consiglio per l´ accordo. Tasse di rimborso anticipato. I Deputati socialisti del Parlamento, nonche´ le organizzazioni dei consumatori dirigono la vittoria attraverso il rimborso anticipato del canone. Si, avremo le tasse in futuro. Sbarazzarsi del proprio debito sarebbe un costoso affare e possibile profitto per la banca. Ma la tassa sara´ in duplice modo limitata, di modo che i paesi che hanno un largo movimento di prezzi usurari saranno evitate. Ma questo forse non potra´ essere efficace per la Germania. L´ attuale giurisprudenza assume che per i presti ed i finanziamenti, l´ aspetto del danno delle banche tedesche e´ pagato anteriormente e risulta essere fino a sette volte superiore rispetto a quello dei paesi circostanti. La regola tedesca puo´ essere ora applicata per il credito al consumo, dove fino ad ora non sono state amesse forme di rimborso anticipato. Ma dalta parte, la direttiva prescrive i metodi per la determinazione del danno. Dovra´ essere analizzato come questo potrebbe cambiare la giurisprudenza tedesca. Nel suo comunicato stampa il Parlamento scrive: “La direttiva consente ai Paesi membri di prevedere che il creditore possa eccezionalemente rivendicare un idennizzo piu´ elevato. Cio´ puo´ accadere se la banca dimostra che la perdita subita dal rimborso anticipato supera il massimo importo di base definito dalla direttiva. L´ ammonizzazione del metodo di calcolo della perdita e´ dato nel testo COPERTURA: nuovi contratti di credito fino a € 75, 0000. MASSIMA ARMONIZZAZIONE: mentre non siamo riusciti a frenare questa centralizzazione molte lacune sono state tagliate in questa cornice di una nuova emergente legislazione federale degli Stati Uniti d´ Europa. Abbiamo proposto di standartizzare gli aspetti e le forme. Infatti, il modello unificato per dare le informazioni necessarie, sara´ un progresso, ma risulta discutibile il sovracarico delle informazioni perche´ non cura le diversita´ culturali, ne le diverse fasi dello sviluppo del credito al consumo, ne tanto meno i diversi attori di questo settore. LEGAL VERSUS ECONOMIC LANGUAGE: While the Directive uses mostly economic language in Leasing and Interest Rate Disclosure it uses a purely legal language which accepts that the supplier side is able to define what should be covered. APR: One of the most important failures of the Directive is the fact that the old and new APR will only cover small parts of the credit cost in future and invite all banks to cheat consumers by transferring interest into annexed products or by keeping prices seeking as long as the consumer can switch to another supplier. More than half of all consumer credit is now connected to some kind of high price insurance. The premiums paid for the insurance flow back to the banks in the form of a kick back provision which sometimes amounts to more than 50%. In fact these provision are hidden interest. But the new Directive will support this fraud. It suffices to write that the consumer was not legally obliged to buy it. (an anachronism because legally the signature of the consumer already creates the obligations.) In addition most consumer credit offers no longer any price at all. Risk based pricing where the effective price is linked to the score value the customer gets in accordance with his creditworthiness has led to a system where "from 4% up" is legally disclosed while the final price may be 20% after the customer has already given all his information and is thus caught in a trap which he or she is unable to escape. VARIABLE RATE CREDIT. The new Directive further ignores what the US government sees as the core of the suprime credit crisis variable rate credit where customers are lured into a credit with a low first year payment and then left to the mercy of the supplier. Just asking to disclose the initial prices is no longer adequate. CREDIT CARD has got a lite regime. It is largely favoured by the Directive, mortgage loans are excluded even those who are misused for consumption purposes (second mortgage market). PRELIMINARY EVALUATION Overall the whole struggle was not in vain. We could help to keep some diversity and options. But it was a battle in defense of consumers and not as the press releases want to tell us to cope with their problems with a growing market of inadapted, extorionate, irresponsible and useless credit. A positive attitude towards the dramatic developments in the consumer credit markets where the poor now account for the highest profits suppliers can make is not visible. We will focus now on the national implementation process and help every country to develop something which comes close of what we convened in the seven principles of responsible credit. Now the member states have the possibility to show that the initiated race to the bottom in consumer protection will not take place. We will closely monitor the solutions each country finds and will elect the most "respionsible credit country" in the future. The next ECRC conferences will exchange the information and offer help to each other. The deputy from the UK Independence Party we cited in the headline and whose vision of a Great Britain without Europe we do not share thinks that the EU is unable to know what is good for different countries. This is not our problem but still it is true that the blind lead the blind. We think that this Directive is blind with regards to the overindebted consumers just outside the Parliamentary Building in Brussels itself. It is socially blind and also blind with respect to what happens in the credit market with price disclosure, credit sales, flipping, refinancing, fees and practices with non-performing-loans and products that lure consumers into overindebtedness. Maybe Europe will learn that we expect more from Brussels than just the general credit conditions which an average bank would also be willing to set up. ID: 40901 Data di Pubblicazione: Gi., 17/01/08

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