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すぺいん国立銀行は、銀行の預金、消費者ローン、住宅ローンなどの契約書の但し書きの小さい文字は、最小1'5mm以上でなければいけないと規制、騙されないように消費者の権利を守るため、
La letra pequeña tendrá un mínimo: un milímetro y medio
El Banco de España pone nuevas normas para proteger a los clientes
The fine print will have a minimum: a millimeter and a half
The Bank of Spain sets new rules to protect customers
The Country Madrid 6 JUL 2012 - 12:49 CET
The Bank of Spain sets new rules to protect customers
The Country Madrid 6 JUL 2012 - 12:49 CET
From 2013, the letter of the bank contracts may not have a height less than 1.5 millimeters. In a circular published in the Gazette, the Bank of Spain has set new rules for credit institutions must apply when selling their products. The goal, according to the banking supervisor, is to protect customers.
Measurements are taken after a series of scandals in the industry for marketing products unsuitable for the profile of the investor or the investor who hired them. The case has a greater number of people affected is that of preference shares, especially in the case of nationalized institutions. The circular is the practical application of the ministerial order on the same subject adopted last October 28.
"The letter to use in the information documents that are regulated in this Circular shall have an appropriate size for easier reading, in any case, the letter that is used may have a height not less than one millimeter and a half," says the text.
In any case, the indication is not too accurate. It is unclear whether the letter height of 1.5 mm to respect the rule is the oval or central body or include ridges and feet (the upper and lower protruding from the letters). If the 1.5 mm refer to the central body, the letter would be small, but readable (roughly equivalent to a body 7 of word). If you include the crests and feet, would be tiny (a body 4), which would almost need a magnifying glass. It is reasonable to refer to the first option, although the standard does not make it clear.
The new law toughens requirements when informing those who buy products and banking services, with particular emphasis on the most used by citizens, such as deposits, consumer loans and mortgages. Besides the font size of contracts, the circular requires highlighting all relevant information so that it can not be confused. With this, the Bank of Spain intends to streamline management and increase the transparency of credit institutions.
The circular also takes steps to promote what it calls the banking supervisor "responsible lending", favoring the "prudence" and "attention to the preferences and objectives of their customers." The new standard will progressively entering into force throughout 2013.
Measurements are taken after a series of scandals in the industry for marketing products unsuitable for the profile of the investor or the investor who hired them. The case has a greater number of people affected is that of preference shares, especially in the case of nationalized institutions. The circular is the practical application of the ministerial order on the same subject adopted last October 28.
"The letter to use in the information documents that are regulated in this Circular shall have an appropriate size for easier reading, in any case, the letter that is used may have a height not less than one millimeter and a half," says the text.
In any case, the indication is not too accurate. It is unclear whether the letter height of 1.5 mm to respect the rule is the oval or central body or include ridges and feet (the upper and lower protruding from the letters). If the 1.5 mm refer to the central body, the letter would be small, but readable (roughly equivalent to a body 7 of word). If you include the crests and feet, would be tiny (a body 4), which would almost need a magnifying glass. It is reasonable to refer to the first option, although the standard does not make it clear.
The new law toughens requirements when informing those who buy products and banking services, with particular emphasis on the most used by citizens, such as deposits, consumer loans and mortgages. Besides the font size of contracts, the circular requires highlighting all relevant information so that it can not be confused. With this, the Bank of Spain intends to streamline management and increase the transparency of credit institutions.
The circular also takes steps to promote what it calls the banking supervisor "responsible lending", favoring the "prudence" and "attention to the preferences and objectives of their customers." The new standard will progressively entering into force throughout 2013.
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スペインの銀行は、顧客を保護するために新しいルールを設定します。
カントリーマドリッド6 JUL 2012 - 12時49分CET
スペインの銀行は、顧客を保護するために新しいルールを設定します。
カントリーマドリッド6 JUL 2012 - 12時49分CET
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