Page 15 - ASSOFIN 2023 preview

relations with consumers; joining the Association means agreeing to both the letter and spirit of the code;
• Creation of Monitorata® www.monitorata.it, a website containing useful, clear, simple and concise information about consumer credit and mortgages, plus a free calculator made available to consumers, enabling them to calculate a sustainable mortgage instalment;
• The “ALLA PARI” project, with a view to favouring the creation of a relationship on an equal footing between lenders and borrowers. Members participating in the ini- tiative submit their advertising campaigns to the Istituto dell’Autodisciplina Pubbli- citaria (Advertising Standards Institute). Only campaigns that receive a favourable opinion may use the “ALLA PARI” label, which will be a sign of the Member’s com- mitment to operator transparency;
• Agreements reached in recent years with leading Consumer Associations, with the signing of memoranda of understanding to improve relations between intermedia- ries and clients in terms of quality and efficiency. These include the following agree- ments:
– Memorandum of understanding between ASSOFIN, ABI and Consumer Associations on the provision of supplementary policies to loans, designed to raise the level of awareness of clients regarding the characteristics of the various insurance services and products offered, and to facilitate access to appropriate insurance coverage;
– Memorandum of understanding between ASSOFIN and Consumer Associations taking part in “Consumer Associations-ASSOFIN” talks on salary- and pension-backed loans (CQSP) and salary deductions, designed to promote best practices in the CQSP sector, preventing cases of over-indebtedness and ensuring the utmost transparency and operational efficiency on the part of all players involved in the supply chain;
– Memorandum of understanding between ASSOFIN and Consumer Associations on joint settlements, a valid instrument for out-of-court settlements of disputes, an alternative to court cases or to banking and financial arbitration, making it possible to settle, simply and quickly, disputes between banking and financial intermediaries and consumers in the consumer credit sector.
ASSOFIN
20122 Milano - Corso Italia, 17
Tel. (02) 865437 - 865450 - 865488 Fax (02) 865727
Internet: www.assofin.it E-mail:[email protected]
PRESENTATION
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