Bad news for current account holders. Starting from January 1, 2021, in fact, we have to deal with new rules that could jeopardize liquidity and even salaries.
From January 1, 2021 the new rules of theEba that could question the money of account holders. Automatic debits, for example, are no longer allowed in the event that the customer does not have sufficient cash on his bank deposit.
But not only that, you also risk having to deal with the blocking of utility payments, loan installments and even salaries. Furthermore, after three months of non-payment, with an amount exceeding 100 euros, the credit institution must report the customer in question to central risks.
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Current accounts, money at risk: beware of the new rules
The new rules envisaged by the EBA, the European banking authority, therefore, risk having a not indifferent impact on holders of current accounts. For example, in the absence of sufficient funds to cover the payment, the bank must block the operation and cancel the relative Rid. If all this were not enough, we risk seeing life complications for millions of small and medium-sized businesses.
In addition to the stop of payments, in fact, you may have to deal with more difficulty in accessing credit due to reporting to the risk center. Even small overruns are no longer possible and this means no longer being able to benefit from even small forms of flexibility to which families and businesses often have access to make them ready to pay for the various obligations.
Giorgia Meloni’s point of view
She intervened on the subject Giorgia Meloni who in this regard wanted to underline how, in his opinion, it will be “a massacre for citizens and businesses already crushed by Covid, which will flood banks with new NPLs and cause a new credit crunch. Fratelli d’Italia has been asking for weeks to avert this announced disaster, but the Commissioner for the Economy Gentiloni and the Conte government have done nothing to at least ask for a postponement of these rules“.
The leader of Fratelli D’Italia then added that they were “the appeals of the trade associations were also ignored. We will continue our battle against these wicked rules, established before the pandemic and which they will have a devastating impact on our economy. The Conte Executive will wake up and raise your voice in Europe“.
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