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AGENTE IN ATTIVITA’ FINANZIARIA E MEDIATORE CREDITIZIO

La nuova disciplina degli genti in attività finanziaria e dei mediatori creditizi: requisiti, obblighi e caratteristiche dell’attività

Il D. Lgs. 141 del 2010, ha portato ad un completo cambiamento della disciplina riguardante  due categorie di “professionisti” presenti sul mercato del credito: l’agente in attività Finanziaria ed il Mediatore Creditizio.

L’attuale collocazione della disciplina, nel Testo Unico Bancario, rappresenta forse una volontà del legislatore di ricomprendere all’interno del Testo Unico Bancario la regolamentazione normativa di entrambe le figure, essendo la stessa inizialmente  demandata ad un D. Lgs. del 1999 (n° 374 del 25 settembre 1999) per gli Agenti in Attività Finanziaria e ad una legge del 1996 (n° 108 del 7 marzo 1996 per i Mediatori Creditizi.

La disciplina dell’agente in attività finanziaria è ora contenuta nel Titolo VI bis del Testo Unico Bancario, che si apre con il dettato dell’art. 128 quater, appositamente dedicatogli.

  1. È agente in attività finanziaria il soggetto che promuove e conclude contratti relativi alla concessione di finanziamenti sotto qualsiasi forma o alla prestazione di servizi di pagamento, su mandato diretto di intermediari finanziari previsti dal Titolo V, istituti di pagamento, istituti di moneta elettronica, banche o Poste Italiane. Gli agenti in attività finanziaria possono svolgere esclusivamente l’attività indicata nel presente comma, nonché attività connesse o strumentali.
  2. L’esercizio professionale nei confronti del pubblico dell’attività di agente in attività finanziaria è riservato ai soggetti iscritti in un apposito elenco tenuto dall’Organismo previsto dall’articolo 128-undecies.
  3. (abrogato)
  4. Gli agenti in attività finanziaria svolgono la loro attività su mandato di un solo intermediario o di più intermediari appartenenti al medesimo gruppo. Nel caso in cui l’intermediario conferisca mandato solo per specifici prodotti o servizi, è tuttavia consentito all’agente, al fine di offrire l’intera gamma di prodotti o servizi, di assumere due ulteriori mandati,
  5. Il mandante risponde solidalmente dei danni causati dall’agente in attività finanziaria, anche se tali danni siano conseguenti a responsabilità accertata in sede penale.
  6. Gli agenti che prestano esclusivamente i servizi di pagamento sono iscritti in una sezione speciale dell’elenco di cui al comma 2 quando ricorrono le condizioni e i requisiti stabiliti con regolamento adottato ai sensi dell’articolo 17, comma 3, legge 23 agosto 1988, n. 400, dal Ministro dell’economia e delle finanze, sentita la Banca d’Italia. I requisiti tengono conto del tipo di attività svolta. Ai soggetti iscritti nella sezione speciale non si applicano il secondo periodo del comma 1 e il comma 4.
  7. La riserva di attività prevista dal presente articolo non si applica agli agenti che prestano servizi di pagamento per conto di istituti di moneta elettronica o istituti di pagamento comunitari. Al fine di consentire l’esercizio dei controlli e l’adozione delle misure previste dall’articolo 128- duodecies nonché dal decreto legislativo 21 novembre 2007, n. 231,

l’agente che presta servizi di pagamento per conto di istituti di moneta elettronica o istituti di pagamento comunitari comunica all’Organismo previsto all’articolo 128-undecies l’avvio dell’operatività sul territorio della Repubblica, i propri dati aggiornati, le eventuali variazioni nonché la conclusione della propria attività, utilizzando la posta elettronica certificata (PEC). Quando deve essere istituito il punto di contatto centrale, ai sensi dell’articolo 42, comma 3, del decreto legislativo 21 novembre 2007, n. 231, le comunicazioni di cui al precedente periodo sono effettuate dallo stesso punto di contatto per via telematica. L’Organismo stabilisce la periodicità e le modalità di invio della comunicazione.

(art. 128 quater Testo Unico Bancario)

L’esercizio dell’attività di agente finanziario è subordinata all’iscrizione dell’agente nell’apposito elenco di cui all’art. 128 quater, in presenza di determinati requisiti:

  1. L’iscrizione all’elenco di cui all’articolo 128-quater, comma 2, è subordinata al ricorrere dei seguenti requisiti:
  2. a) per le persone fisiche: cittadinanza italiana o di uno Stato dell’Unione europea ovvero di Stato diverso secondo le disposizioni dell’articolo 2 del testo unico delle disposizioni concernenti la disciplina dell’immigrazione e le norme sulla condizione dello straniero, di cui al decreto legislativo 25 luglio 1998, n. 286, e domicilio nel territorio della Repubblica;
  3. b) per i soggetti diversi dalle persone fisiche: sede legale e amministrativa o, per i soggetti comunitari, stabile organizzazione nel territorio della Repubblica;
  4. c) requisiti di onorabilità e professionalità, compreso il superamento di un apposito esame. Per i soggetti diversi dalle persone fisiche, i requisiti si applicano a coloro che svolgono funzioni di amministrazione, direzione e controllo e, limitatamente ai requisiti di onorabilità, anche a coloro che detengono il controllo;
  5. d) (soppressa)
  6. e) per i soggetti diversi dalle persone fisiche sono inoltre richiesti un oggetto sociale conforme con quanto disposto dall’articolo 128-quater, comma 1, ed il rispetto di requisiti patrimoniali, organizzativi e di forma giuridica.

1-bis. L’efficacia dell’iscrizione è condizionata alla stipula di una polizza di assicurazione della responsabilità civile per i danni arrecati nell’esercizio dell’attività derivanti da condotte proprie o di terzi del cui operato gli agenti rispondono a norma di legge.

  1. La permanenza nell’elenco è subordinata, in aggiunta ai requisiti indicati ai commi 1 e 1-bis, all’esercizio effettivo dell’attività e all’aggiornamento professionale.

(art. 128 quinquies Testo Unico Bancario)

Viene invece definito quale mediatore creditizio

  1. (…) il soggetto che mette in relazione, anche attraverso attività di consulenza, banche o intermediari finanziari previsti dal Titolo V con la potenziale clientela per la concessione di finanziamenti sotto qualsiasi forma.
  2. L’esercizio professionale nei confronti del pubblico dell’attività di mediatore creditizio è riservato ai soggetti iscritti in un apposito elenco tenuto dall’Organismo previsto dall’articolo 128-undecies.
  3. Il mediatore creditizio può svolgere esclusivamente l’attività indicata al comma 1 nonché attività connesse o strumentali.
  4. Il mediatore creditizio svolge la propria attività senza essere legato ad alcuna delle parti da rapporti che ne possano compromettere l’indipendenza.

(art. 128 sexies Testo Unico Bancario)

Anche l’esercizio della predetta attività di mediazione creditizia è subordinata alla preventiva iscrizione all’elenco di cui all’art. 128 sexies in presenza dei seguenti requisiti:

  1. L’iscrizione nell’elenco di cui all’articolo 128-sexies, comma 2, è subordinata al ricorrere dei seguenti requisiti:
  2. a) forma di società per azioni, di società in accomandita per azioni, di società a responsabilità limitata o di società cooperativa;
  3. b) sede legale e amministrativa o, per i soggetti comunitari, stabile organizzazione nel territorio della Repubblica;
  4. c) oggetto sociale conforme con quanto previsto dall’articolo 128- sexies, comma 3, e rispetto dei requisiti di organizzazione;
  5. d) possesso da parte di coloro che detengono il controllo e dei soggetti che svolgono funzioni di amministrazione, direzione e controllo dei requisiti di onorabilità;
  6. e) possesso da parte dei soggetti che svolgono funzioni di amministrazione, direzione e controllo, di requisiti di professionalità, compreso il superamento di un apposito esame.
  7. f) (soppressa)

1-bis. La permanenza nell’elenco è subordinata, in aggiunta ai requisiti indicati ai commi 1 e 1-ter, all’esercizio effettivo dell’attività e all’aggiornamento professionale.

1-ter. L’efficacia dell’iscrizione è condizionata alla stipula di una polizza di assicurazione della responsabilità civile per i danni arrecati nell’esercizio dell’attività derivanti da condotte proprie o di terzi del cui operato i mediatori rispondono a norma di legge.

(art. 128 septies Testo Unico Bancario)

L’Organo oggi deputato alla tenuta degli elenchi degli esercenti l’attività di agente finanziario e di mediatore creditizio è  l’ OAM istituito a far data dal 12.12.2011 (art. 128 undecies Testo Unico Bancario).

Il D. Lgs. 141 del 2010, ha portato ad un completo cambiamento della disciplina riguardante  due categorie di “professionisti” presenti sul mercato del credito: gli Agenti in Attività Finanziaria ed i Mediatori Creditizi.

L’attuale collocazione della disciplina, nel Testo Unico Bancario, rappresenta forse una volontà del legislatore di ricomprendere all’interno del Testo Unico Bancario la regolamentazione normativa di entrambe le figure, essendo la stessa inizialmente  demandata ad un D. Lgs. del 1999 (n° 374 del 25 settembre 1999) per gli Agenti in Attività Finanziaria e ad una legge del 1996 (n° 108 del 7 marzo 1996 per i Mediatori Creditizi.

La disciplina dell’agente in attività finanziaria è ora contenuta nel Titolo VI bis del Testo Unico Bancario, che si apre con il dettato dell’art. 128 quater, appositamente dedicatogli.

  1. È agente in attività finanziaria il soggetto che promuove e conclude contratti relativi alla concessione di finanziamenti sotto qualsiasi forma o alla prestazione di servizi di pagamento, su mandato diretto di intermediari finanziari previsti dal Titolo V, istituti di pagamento, istituti di moneta elettronica, banche o Poste Italiane. Gli agenti in attività finanziaria possono svolgere esclusivamente l’attività indicata nel presente comma, nonché attività connesse o strumentali.
  2. L’esercizio professionale nei confronti del pubblico dell’attività di agente in attività finanziaria è riservato ai soggetti iscritti in un apposito elenco tenuto dall’Organismo previsto dall’articolo 128-undecies.
  3. (abrogato)
  4. Gli agenti in attività finanziaria svolgono la loro attività su mandato di un solo intermediario o di più intermediari appartenenti al medesimo gruppo. Nel caso in cui l’intermediario conferisca mandato solo per specifici prodotti o servizi, è tuttavia consentito all’agente, al fine di offrire l’intera gamma di prodotti o servizi, di assumere due ulteriori mandati,
  5. Il mandante risponde solidalmente dei danni causati dall’agente in attività finanziaria, anche se tali danni siano conseguenti a responsabilità accertata in sede penale.
  6. Gli agenti che prestano esclusivamente i servizi di pagamento sono iscritti in una sezione speciale dell’elenco di cui al comma 2 quando ricorrono le condizioni e i requisiti stabiliti con regolamento adottato ai sensi dell’articolo 17, comma 3, legge 23 agosto 1988, n. 400, dal Ministro dell’economia e delle finanze, sentita la Banca d’Italia. I requisiti tengono conto del tipo di attività svolta. Ai soggetti iscritti nella sezione speciale non si applicano il secondo periodo del comma 1 e il comma 4.
  7. La riserva di attività prevista dal presente articolo non si applica agli agenti che prestano servizi di pagamento per conto di istituti di moneta elettronica o istituti di pagamento comunitari. Al fine di consentire l’esercizio dei controlli e l’adozione delle misure previste dall’articolo 128- duodecies nonché dal decreto legislativo 21 novembre 2007, n. 231,

l’agente che presta servizi di pagamento per conto di istituti di moneta elettronica o istituti di pagamento comunitari comunica all’Organismo previsto all’articolo 128-undecies l’avvio dell’operatività sul territorio della Repubblica, i propri dati aggiornati, le eventuali variazioni nonché la conclusione della propria attività, utilizzando la posta elettronica certificata (PEC). Quando deve essere istituito il punto di contatto centrale, ai sensi dell’articolo 42, comma 3, del decreto legislativo 21 novembre 2007, n. 231, le comunicazioni di cui al precedente periodo sono effettuate dallo stesso punto di contatto per via telematica. L’Organismo stabilisce la periodicità e le modalità di invio della comunicazione.

(art. 128 quater Testo Unico Bancario)

L’esercizio dell’attività di agente finanziario è subordinata all’iscrizione dell’agente nell’apposito elenco di cui all’art. 128 quater, in presenza di determinati requisiti:

  1. L’iscrizione all’elenco di cui all’articolo 128-quater, comma 2, è subordinata al ricorrere dei seguenti requisiti:
  2. a) per le persone fisiche: cittadinanza italiana o di uno Stato dell’Unione europea ovvero di Stato diverso secondo le disposizioni dell’articolo 2 del testo unico delle disposizioni concernenti la disciplina dell’immigrazione e le norme sulla condizione dello straniero, di cui al decreto legislativo 25 luglio 1998, n. 286, e domicilio nel territorio della Repubblica;
  3. b) per i soggetti diversi dalle persone fisiche: sede legale e amministrativa o, per i soggetti comunitari, stabile organizzazione nel territorio della Repubblica;
  4. c) requisiti di onorabilità e professionalità, compreso il superamento di un apposito esame. Per i soggetti diversi dalle persone fisiche, i requisiti si applicano a coloro che svolgono funzioni di amministrazione, direzione e controllo e, limitatamente ai requisiti di onorabilità, anche a coloro che detengono il controllo;
  5. d) (soppressa)
  6. e) per i soggetti diversi dalle persone fisiche sono inoltre richiesti un oggetto sociale conforme con quanto disposto dall’articolo 128-quater, comma 1, ed il rispetto di requisiti patrimoniali, organizzativi e di forma giuridica.

1-bis. L’efficacia dell’iscrizione è condizionata alla stipula di una polizza di assicurazione della responsabilità civile per i danni arrecati nell’esercizio dell’attività derivanti da condotte proprie o di terzi del cui operato gli agenti rispondono a norma di legge.

  1. La permanenza nell’elenco è subordinata, in aggiunta ai requisiti indicati ai commi 1 e 1-bis, all’esercizio effettivo dell’attività e all’aggiornamento professionale.

(art. 128 quinquies Testo Unico Bancario)

Viene invece definito quale mediatore creditizio

  1. (…) il soggetto che mette in relazione, anche attraverso attività di consulenza, banche o intermediari finanziari previsti dal Titolo V con la potenziale clientela per la concessione di finanziamenti sotto qualsiasi forma.
  2. L’esercizio professionale nei confronti del pubblico dell’attività di mediatore creditizio è riservato ai soggetti iscritti in un apposito elenco tenuto dall’Organismo previsto dall’articolo 128-undecies.
  3. Il mediatore creditizio può svolgere esclusivamente l’attività indicata al comma 1 nonché attività connesse o strumentali.
  4. Il mediatore creditizio svolge la propria attività senza essere legato ad alcuna delle parti da rapporti che ne possano compromettere l’indipendenza.

(art. 128 sexies Testo Unico Bancario)

Anche l’esercizio della predetta attività di mediazione creditizia è subordinata alla preventiva iscrizione all’elenco di cui all’art. 128 sexies in presenza dei seguenti requisiti:

  1. L’iscrizione nell’elenco di cui all’articolo 128-sexies, comma 2, è subordinata al ricorrere dei seguenti requisiti:
  2. a) forma di società per azioni, di società in accomandita per azioni, di società a responsabilità limitata o di società cooperativa;
  3. b) sede legale e amministrativa o, per i soggetti comunitari, stabile organizzazione nel territorio della Repubblica;
  4. c) oggetto sociale conforme con quanto previsto dall’articolo 128- sexies, comma 3, e rispetto dei requisiti di organizzazione;
  5. d) possesso da parte di coloro che detengono il controllo e dei soggetti che svolgono funzioni di amministrazione, direzione e controllo dei requisiti di onorabilità;
  6. e) possesso da parte dei soggetti che svolgono funzioni di amministrazione, direzione e controllo, di requisiti di professionalità, compreso il superamento di un apposito esame.
  7. f) (soppressa)

1-bis. La permanenza nell’elenco è subordinata, in aggiunta ai requisiti indicati ai commi 1 e 1-ter, all’esercizio effettivo dell’attività e all’aggiornamento professionale.

1-ter. L’efficacia dell’iscrizione è condizionata alla stipula di una polizza di assicurazione della responsabilità civile per i danni arrecati nell’esercizio dell’attività derivanti da condotte proprie o di terzi del cui operato i mediatori rispondono a norma di legge.

(art. 128 septies Testo Unico Bancario)

L’Organo oggi deputato alla tenuta degli elenchi degli esercenti l’attività di agente finanziario e di mediatore creditizio è  l’ OAM istituito a far data dal 12.12.2011 (art. 128 undecies Testo Unico Bancario).

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