La presente informativa è resa, anche ai sensi dell’art. 13 del D. Lgs. 196/2003 “Codice in materia di protezione dei dati personali” (“Codice Privacy”) 
e degli artt. 13 e 14 del Regolamento (UE) 2016/679 (“GDPR”), a coloro che si collegano alla presente edizione online del giornale Tribuna Economica di proprietà di AFC Editore Soc. Coop. 

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The European Banking Authority (EBA) responded last week to the EU Commission’s consultation on the proposed new consumer agenda where it called for harmonisation of the creditworthiness assessment process for consumer lending across the EU.

The EBA response focuses on the revision of the Consumer Credit Directive (CCD) and builds on the recent EBA Guidelines on loan origination and monitoring.

In its response, the EBA calls for the introduction of binding principles on responsible lending such as an obligation to take into account  target consumer interests, objectives and characteristics when designing credit products. The response also calls for harmonisation of the creditworthiness assessment across the EU, including the introduction of standards for the data and creditworthiness assessment process.

The EBA response builds on its recently published Guidelines on loan origination and monitoring, which the EBA had developed in 2019 at the request of the EU Council. The response aims at reinforcing the requirements for assessing the borrowers’ creditworthiness that are set out in those Guideless and, thus, contributing to the Commission’s planned changes to the CCD.

Background.    On 30 June 2020, the EU Commission launched a public consultation on the new consumer agenda that, among other topics, contained a number of questions in Section 3 regarding the Consumer Credit Directive (Directive 2008/48/EC). The questions also contained a series of proposals regarding the harmonisation of the creditworthiness assessment of a borrower – topic that has been addressed by the EBA in the Guidelines on loan origination and monitoring (EBA/GL/2020/06).