Local view for "http://purl.org/linkedpolitics/eu/plenary/2008-06-04-Speech-3-996"
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"en.20080604.24.3-996"2
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"Pursuant to the Pittella report, the sector audit analysed the competition situation regarding payment systems, including card systems, credit offices, cooperation between banks and price and bank settlement policies. The audit shows that there are significant differences between the commission paid for bank cards. Thus, it was detected that the majority of national debit cards networks settle inter-bank commissions on a significantly lower level than the international networks, and that, in most of the Member States, the majority of banks permit the grant of mortgage credits, of personal credits and of loans to SMEs with the opening of a current account.
Usually, the client does not have the same negotiation power when initiating the contractual relation with the bank where he becomes a client. The client signs a contract that he does not always read and even if he does, he would like to suggest changes, which is not possible. From this viewpoint, I consider that the competent regulation authorities should supervise the form of the contracts offered by the banks so as to protect the interests of both the clients and the bank. I consider that it is compulsory that a client who opens an account to previously receive a brief presentation of the applicable costs for the entire period of its utilization."@en1
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