1,721,090 research outputs found
Lavoro
No full textVi è un forte interesse pubblico alla tutela dei lavoratori, che è in parte affidata alla pubblica amministrazione. Vi sono da tempo, quindi, molte funzioni amministrative in materia, aumentate in modo rilevante negli ultimi decenni. Il testo esamina queste funzioni, con riferimento sia al lavoro privato, sia a quello pubblico, e la relativa organizzazione. Viene prima descritto il quadro organizzativo, per poi esaminare i vari tipi di attribuzione amministrativa in materia
Big Data e accesso al credito degli immigrati : discriminazioni algoritmiche e tutela del consumatore
No full textThe aim of this essay is to assess the capacity of innovative credit scoring techniques to improve financial inclusion of the unbanked. Given the lack of informations on immigrants creditworthiness, the use of Big Data analytics could be a useful tool, because it makes possibile to collect and analyze the huge quantity of data produced online by the consumer.
According to the author, it is questionable the compliance of social network data with the requirements of the Testo Unico Bancario: according to articles 120 undecies and 124 bis, the data used in the creditworthiness assessment should be connected with the consumer’s ability to repay the debt. The essay, moreover, stress the need for an explanation of the credit decision, given the lack of information on the algorithm’s functioning, and the need for a broad interpretation of the anti-discrimination law
Orientamenti dell'ABF sul c.d. contratto di wrapping. In particolare : del collegamento col contratto di credito e della possibile applicazione dell'art. 125 quinquies t.u.b.
No full textThe aim of this contribution is to provide a critical review of the case law of ABF on wrapping, a trilateral operation whose purpose is to finance the purchase of a car. After having reconstructed the rationale of the discipline of linked contracts in the Testo Unico Bancario, the contribution criticizes ABF’s rulings that recognize a bilateral link between the wrapping contract and the credit contract, and provides that, due to the breach of the wrapping contract, the concrete purpose pursued by the parties with the purchase contract is impossibile to achiev
La regolazione del design dell’Euro digitale e il suo impatto su pagamenti, privacy e inclusione finanziaria
No full textThe study aims to analyze the issues created in the fields of payments, privacy and financial inclusion by an hybrid money, like the digital Euro, which combines the features of scriptural money with the legal tender of public money. With reference to the first profile, it is underlined the need for a clear regulation of the relationship between the digital and the material form of public money, in order to ensure certainty of commercial traffic and avoid regulatory arbitrage. It is then argued that the level privacy granted to citizens versus ECB will be greater than that granted by ordinary electronic payment systems thanks to the use of technologies linked to DLT. Finally, it is noted that, in order to avoid the increase of digital divide and financial exclusion, both a rethinking of the regulation on payment services, that take into account vulnerable users needs, and form of public compensations to bear the costs of financial inclusion are needed. Given the current positioning of European Commission and ECB, according to the study digital Euro will have a little impact on privacy, payments and financial inclusion and is likely to lack of competitiveness towards others central bank digital currencie
Termini di pagamento e interessi moratori nei contratti di cessione nella filiera agroalimentare. Riflessioni sul d.lgs. 198/2021
Full text linkThe paper focuses on the regulation of payment terms introduced by legislative decree n. 198/2021 that implement in the Italian legal system the directive 2019/633 on unfair trading practices in the agricutural and food supply chain. The paper try to link the new regulation to the principles of the law of obligations to resolve the issue relating to the payment term applicable in the absence of provisions by the parties; then the paper try to determine the default interest rate given the lack of clarity of the regulation on this point. The paper claims that the guarantee of certain payment terms does not solve the economic and financial problems of suppliers of agricultural and food products, because this would also require not only a duration of the contract that allows the amortisation of the investments made, but also the prohibition of those commercial practices that pass to the supplier the costs of the distribution activit
La normativa europea sui prodotti pensionistici individuali paneuropei tra regolazione del mercato e automatizzazione dei servizi finanziari (Il Reg. UE 2019/1238 del 20 giugno 2019 e la sua attuazione ad opera del d.lgs. 2 agosto 2022, n. 114)
No full textThe essay comments on the recent European legislation on a pan-European Personal Pension Product which aims to remedy the poor development of the market for these products also in the light of the welfare state's crisis. The essay criticizes some choices of the European legislator as they contrast with the objective of creating a single competitive market for pan-European individual pension products; the choices of the regulation on the protection of savers are also criticized, and finally the essay assume that as a consequence of the choices of the European legislator intermediaries will bear the costs of financial inclusion
Clausola marciana e tutela del consumatore: la dubbia compatibilità col diritto europeo dell’art. 120-quinquiesdecies t.u.b.
No full textL’art. 120 quinquiesdecies t.u.b. garantisce il recupero del credito del finanziatore attraverso un rapido meccanismo di autotutela esecutiva. La pretermissione del procedimento esecutivo ordinario, però, può pregiudicare il diritto all’abitazione del debitore: di conseguenza, si pone un problema di compatibilità tra la disciplina della clausola marciana e la giurisprudenza della Corte di giustizia, che sancisce il diritto del consumatore ad una tutela effettivaThe article 120 quinquiesdecies t.u.b. ensure the recovery of the lender's credit through a fast executive mechanism. However, the lack of the judicial executive procedure can undermine debtor’s right to a home; as a consequence, the compliance between the discipline of the Marcian clause and the jurisprudence of the Court of justice, which establishes the consumer's right to effective protection, should be assessed
La commissione di estinzione anticipata non rileva ai fini della verifica di usurarietà
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