Source: http://studiolegalepistone.it/blog-post/agente-in-attivita-finanziaria-e-mediatore-creditizio/
Timestamp: 2019-06-19 13:33:34+00:00
Document Index: 46969919

Matched Legal Cases: ['art. 128', 'art. 128', 'art. 128', 'art. 128', 'art. 128', 'art. 128', 'art. 128', 'art. 128']

AGENTE IN ATTIVITA’ FINANZIARIA E MEDIATORE CREDITIZIO - Studio Legale Pistone
admin 10 Dicembre 2015 13 Febbraio 2018 111 Commenti
La nuova disciplina degli genti in attività finanziaria e dei mediatori creditizi: requisiti, obblighi e caratteristiche dell’attività
Il D. Lgs. 141 del 2010, ha portato ad un completo cambiamento della disciplina riguardante due categorie di “professionisti” presenti sul mercato del credito: l’agente in attività Finanziaria ed il Mediatore Creditizio.
L’attuale collocazione della disciplina, nel Testo Unico Bancario, rappresenta forse una volontà del legislatore di ricomprendere all’interno del Testo Unico Bancario la regolamentazione normativa di entrambe le figure, essendo la stessa inizialmente demandata ad un D. Lgs. del 1999 (n° 374 del 25 settembre 1999) per gli Agenti in Attività Finanziaria e ad una legge del 1996 (n° 108 del 7 marzo 1996 per i Mediatori Creditizi.
La disciplina dell’agente in attività finanziaria è ora contenuta nel Titolo VI bis del Testo Unico Bancario, che si apre con il dettato dell’art. 128 quater, appositamente dedicatogli.
È agente in attività finanziaria il soggetto che promuove e conclude contratti relativi alla concessione di finanziamenti sotto qualsiasi forma o alla prestazione di servizi di pagamento, su mandato diretto di intermediari finanziari previsti dal Titolo V, istituti di pagamento, istituti di moneta elettronica, banche o Poste Italiane. Gli agenti in attività finanziaria possono svolgere esclusivamente l’attività indicata nel presente comma, nonché attività connesse o strumentali.
Gli agenti in attività finanziaria svolgono la loro attività su mandato di un solo intermediario o di più intermediari appartenenti al medesimo gruppo. Nel caso in cui l’intermediario conferisca mandato solo per specifici prodotti o servizi, è tuttavia consentito all’agente, al fine di offrire l’intera gamma di prodotti o servizi, di assumere due ulteriori mandati,
Gli agenti che prestano esclusivamente i servizi di pagamento sono iscritti in una sezione speciale dell’elenco di cui al comma 2 quando ricorrono le condizioni e i requisiti stabiliti con regolamento adottato ai sensi dell’articolo 17, comma 3, legge 23 agosto 1988, n. 400, dal Ministro dell’economia e delle finanze, sentita la Banca d’Italia. I requisiti tengono conto del tipo di attività svolta. Ai soggetti iscritti nella sezione speciale non si applicano il secondo periodo del comma 1 e il comma 4.
La riserva di attività prevista dal presente articolo non si applica agli agenti che prestano servizi di pagamento per conto di istituti di moneta elettronica o istituti di pagamento comunitari. Al fine di consentire l’esercizio dei controlli e l’adozione delle misure previste dall’articolo 128- duodecies nonché dal decreto legislativo 21 novembre 2007, n. 231,
l’agente che presta servizi di pagamento per conto di istituti di moneta elettronica o istituti di pagamento comunitari comunica all’Organismo previsto all’articolo 128-undecies l’avvio dell’operatività sul territorio della Repubblica, i propri dati aggiornati, le eventuali variazioni nonché la conclusione della propria attività, utilizzando la posta elettronica certificata (PEC). Quando deve essere istituito il punto di contatto centrale, ai sensi dell’articolo 42, comma 3, del decreto legislativo 21 novembre 2007, n. 231, le comunicazioni di cui al precedente periodo sono effettuate dallo stesso punto di contatto per via telematica. L’Organismo stabilisce la periodicità e le modalità di invio della comunicazione.
(art. 128 quater Testo Unico Bancario)
L’esercizio dell’attività di agente finanziario è subordinata all’iscrizione dell’agente nell’apposito elenco di cui all’art. 128 quater, in presenza di determinati requisiti:
L’iscrizione all’elenco di cui all’articolo 128-quater, comma 2, è subordinata al ricorrere dei seguenti requisiti:
a) per le persone fisiche: cittadinanza italiana o di uno Stato dell’Unione europea ovvero di Stato diverso secondo le disposizioni dell’articolo 2 del testo unico delle disposizioni concernenti la disciplina dell’immigrazione e le norme sulla condizione dello straniero, di cui al decreto legislativo 25 luglio 1998, n. 286, e domicilio nel territorio della Repubblica;
1-bis. L’efficacia dell’iscrizione è condizionata alla stipula di una polizza di assicurazione della responsabilità civile per i danni arrecati nell’esercizio dell’attività derivanti da condotte proprie o di terzi del cui operato gli agenti rispondono a norma di legge.
La permanenza nell’elenco è subordinata, in aggiunta ai requisiti indicati ai commi 1 e 1-bis, all’esercizio effettivo dell’attività e all’aggiornamento professionale.
(art. 128 quinquies Testo Unico Bancario)
Viene invece definito quale mediatore creditizio
(…) il soggetto che mette in relazione, anche attraverso attività di consulenza, banche o intermediari finanziari previsti dal Titolo V con la potenziale clientela per la concessione di finanziamenti sotto qualsiasi forma.
Il mediatore creditizio può svolgere esclusivamente l’attività indicata al comma 1 nonché attività connesse o strumentali.
(art. 128 sexies Testo Unico Bancario)
Anche l’esercizio della predetta attività di mediazione creditizia è subordinata alla preventiva iscrizione all’elenco di cui all’art. 128 sexies in presenza dei seguenti requisiti:
L’iscrizione nell’elenco di cui all’articolo 128-sexies, comma 2, è subordinata al ricorrere dei seguenti requisiti:
c) oggetto sociale conforme con quanto previsto dall’articolo 128- sexies, comma 3, e rispetto dei requisiti di organizzazione;
e) possesso da parte dei soggetti che svolgono funzioni di amministrazione, direzione e controllo, di requisiti di professionalità, compreso il superamento di un apposito esame.
f) (soppressa)
1-ter. L’efficacia dell’iscrizione è condizionata alla stipula di una polizza di assicurazione della responsabilità civile per i danni arrecati nell’esercizio dell’attività derivanti da condotte proprie o di terzi del cui operato i mediatori rispondono a norma di legge.
(art. 128 septies Testo Unico Bancario)
L’Organo oggi deputato alla tenuta degli elenchi degli esercenti l’attività di agente finanziario e di mediatore creditizio è l’ OAM istituito a far data dal 12.12.2011 (art. 128 undecies Testo Unico Bancario).
Il D. Lgs. 141 del 2010, ha portato ad un completo cambiamento della disciplina riguardante due categorie di “professionisti” presenti sul mercato del credito: gli Agenti in Attività Finanziaria ed i Mediatori Creditizi.
agente, agente di commercio, agente in attività finanziaria, ENASARCO, firr, mediatore creditizio, promotore finanziario
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