La nuova proposta di Direttiva sul credito al consumo: la sfida dell’Unione Europea per garantire maggiore tutela ai consumatori

Sommario: 1.Inquadramento generale. – 2. Il senso di una nuova Direttiva di armonizzazione massima. – 3. Le novità della Proposta.

Abstract

With a view to strengthening consumer protection, the European Commission has proposed to revise the Directive 2008/48 / EC on Consumer Credit, to make it more in line with the new phenomena that have hit the market: digitization and the COVID-19 pandemic. The Proposal, in particular, intends to intervene on the profile of consumer information, ensuring that it is always provided in a clear and adequate manner to the new digital media in use, as well as on that of the assessment of creditworthiness in order to stem the phenomenon of excessive debt. The intervention then represents an opportunity to correct some critical issues that Directive 2008/48 / EC had shown, for example in terms of maximum harmonization.