Implementation Measures for Directive (EU) 2021/2167 (SMD)

Implementation Measures for Directive (EU) 2021/2167 (SMD)

Decision of 11/02/2025

Text of the provision

26 March 2025

Decision of 29 July 2009 and subsequent amendments Transparency of banking and financial operations and services

PDF 2 MB

Full text of the provisions

15 July 2019

Annex 1

PDF 272 KB

15 July 2019

Annex 3

PDF 208 KB

15 July 2019

Annex 4A

PDF 201 KB

15 July 2019

Annex 4C

PDF 115 KB

15 July 2019

Annex 4D

PDF 110 KB

15 July 2019

Annex 4E

PDF 176 KB

15 July 2019

Annex 5A

PDF 241 KB

15 July 2019

Annex 5B

PDF 196 KB

15 July 2019

Annex 5C

PDF 139 KB

15 July 2019

Annex 6

PDF 114 KB

15 July 2019

Annex 6A

PDF 111 KB

15 July 2019

Communication regarding the Decision of 29 July 2009

PDF 224 KB

In-depth Section

Publication Date:: 27 April 2018

PAD - List of services linked to the payment account pdf 113 KB

The Bank of Italy's Guides

Publication Date:: 24 February 2014

Decision of 21 February 2014: Correction of the Guide on consumer credit pdf 129 KB

Publication Date:: 17 January 2014

Governor's Decision of 10 January 2014: Practical guide on consumer credit pdf 241 KB

Publication Date:: 01 August 2012

Decision of 31 July 2012: Practical guides on current accounts and mortgages pdf 493 KB update of the Italian and German versions

Publication Date:: 23 March 2011

Decision of 1 March 2011: Practical guides on current accounts and mortgages pdf 60 KB issuance of the German version; update of the Italian version of the Practical Guide on Mortgage Loans

Publication Date:: 23 November 2009

Decision of 20 November 2009: Practical guides on current accounts and mortgages pdf 189 KB issuance of the Italian version

Know the Financial Ombudsman and understand how to protect your rights

Publication Date:: 01 July 2021

Decision of 30 June 2021 pdf 209 KB

Publication Date:: 01 July 2021

Implementation measures for Article 106 of Directive 2015/2366/EU (PSD2) pdf 192 KB

Publication Date:: 26 March 2025

Decision of 29 July 2009 and subsequent amendments - Transparency of banking and financial operations and services pdf 2 MB Text of the provisions applicable from 9 July 2021

Publication Date:: 15 July 2019

Annex 1 pdf 272 KB

Publication Date:: 15 July 2019

Annex 3 pdf 208 KB

Publication Date:: 15 July 2019

Annex 4A pdf 201 KB

Publication Date:: 15 July 2019

Annex 4C pdf 115 KB

Publication Date:: 15 July 2019

Annex 4D pdf 110 KB

Publication Date:: 15 July 2019

Annex 4E pdf 176 KB

Publication Date:: 15 July 2019

Annex 5A pdf 241 KB

Publication Date:: 15 July 2019

Annex 5B pdf 196 KB

Publication Date:: 15 July 2019

Annex 5C pdf 139 KB

Publication Date:: 15 July 2019

Annex 6 pdf 114 KB

Publication Date:: 15 July 2019

Annex 6A pdf 111 KB

Publication Date:: 15 July 2019

Communication regarding the Decision of 29 July 2009 pdf 224 KB

Publication Date:: 19 March 2019

Decision of 19/3/2019 pdf 105 KB

Publication Date:: 19 March 2019

Implementation measures for Directive 2015/2366/EU (PSD2) and other interventions pdf 398 KB

Publication Date:: 19 June 2019

Decision of 18.6.2019 pdf 154 KB

Publication Date:: 19 June 2019

Implementation measures for Directive 2014/92/EU (PAD) pdf 301 KB

Publication Date:: 26 March 2025

Decision of 29 July 2009 and subsequent amendments - Transparency of banking and financial operations and services pdf 877 KB Text of the provisions applicable from 1 January 2020

Publication Date:: 15 July 2019

Annex 1 pdf 272 KB

Publication Date:: 15 July 2019

Annex 3 pdf 208 KB

Publication Date:: 15 July 2019

Annex 4A pdf 201 KB

Publication Date:: 15 July 2019

Annex 4C pdf 115 KB

Publication Date:: 15 July 2019

Annex 4D pdf 110 KB

Publication Date:: 15 July 2019

Annex 4E pdf 176 KB

Publication Date:: 15 July 2019

Annex 5A pdf 241 KB

Publication Date:: 15 July 2019

Annex 5B pdf 196 KB

Publication Date:: 15 July 2019

Annex 5C pdf 139 KB

Publication Date:: 15 July 2019

Annex 6 pdf 114 KB

Publication Date:: 15 July 2019

Annex 6A pdf 111 KB

Publication Date:: 15 July 2019

Communication regarding the Decision of 29 July 2009 pdf 224 KB

Publication Date:: 05 December 2018

Decision of 05.12.2018 pdf 153 KB

Publication Date:: 05 December 2018

Implementation measures for EBA Guidelines pdf 179 KB on governance and control devices for retail banking products

Publication Date:: 06 September 2017

Decision of 3 August 2017 pdf 119 KB

Publication Date:: 06 September 2017

Decision of 29 July 2009 and subsequent amendments Transparency of banking and financial operations and services pdf 816 KB Text of the provisions applicable from 6 September 2017

Publication Date:: 06 September 2017

Annex 1 pdf 272 KB

Publication Date:: 06 September 2017

Annex 3 pdf 249 KB

Publication Date:: 06 September 2017

Annex 4A pdf 196 KB

Publication Date:: 06 September 2017

Annex 4C pdf 115 KB

Publication Date:: 06 September 2017

Annex 4D pdf 110 KB

Publication Date:: 06 September 2017

Annex 4E pdf 176 KB

Publication Date:: 06 September 2017

Annex 5A pdf 214 KB

Publication Date:: 06 September 2017

Annex 5B pdf 196 KB

Publication Date:: 06 September 2017

Annex 5C pdf 139 KB

Publication Date:: 06 September 2017

Annex 6 pdf 126 KB

Publication Date:: 06 September 2017

Annex 6A pdf 128 KB

Publication Date:: 15 July 2015

Communication regarding the Decision of 29 July 2009 pdf 224 KB Frequently Asked Questions

Publication Date:: 30 September 2016

Decision of 30 September 2016 pdf 102 KB

Publication Date:: 30 September 2016

Decision of 29 July 2009 and subsequent amendments Transparency of banking and financial operations and services; correctness of relationships between intermediaries and clients. pdf 773 KB Text of the Provisions applicable from 1 November 2016

Publication Date:: 30 September 2016

Annex 1 pdf 272 KB

Publication Date:: 30 September 2016

Annex 3 pdf 249 KB

Publication Date:: 30 September 2016

Annex 4A pdf 196 KB

Publication Date:: 30 September 2016

Annex 4C pdf 115 KB

Publication Date:: 30 September 2016

Annex 4D pdf 110 KB

Publication Date:: 30 September 2016

Annex 4E pdf 176 KB

Publication Date:: 30 September 2016

Annex 5A pdf 214 KB

Publication Date:: 30 September 2016

Annex 5B pdf 196 KB

Publication Date:: 30 September 2016

Annex 5C pdf 139 KB

Publication Date:: 30 September 2016

Annex 6 pdf 126 KB

Publication Date:: 30 September 2016

Annex 6A pdf 128 KB

Publication Date:: 16 July 2015

Communication regarding the Decision of 29 July 2009 pdf 238 KB Frequently Asked Questions

Publication Date:: 16 July 2015

Decision of 15 July 2015 pdf 184 KB Amendments to the Decision of 29 July 2009 and subsequent amendments

Publication Date:: 16 July 2015

Decision of 29 July 2009 and subsequent amendments pdf 1 MB Transparency of banking and financial operations and services; correctness of relationships between intermediaries and clients. Text of the Provisions updated to 15 July 2015

Publication Date:: 28 March 2013

Decision of 28 March 2013 pdf 40 KB Act of issuance - Implementation of Directive 2011/90/EU regarding hypotheses for calculating the APR. Modification of the hypotheses for calculating the effective global rate

Publication Date:: 22 June 2012

Decision of 20 June 2012 pdf 53 KB Act of issuance - Implementation of Directive 2009/110/EC regarding electronic money institutions

Full republication of the Decision of 29 July 2009 with the modifications connected to the new provisions of Title VI of the Banking Consolidation Act (Legislative Decree 1 September 1993, n. 385) introduced by Legislative Decree 16 April 2012, n. 45 which implements Directive 2009/110/EC regarding electronic money institutions.

Publication Date:: 10 February 2011

Decision of 9 February 2011 pdf 66 KB Act of issuance - Implementation of the Consumer Credit Directive

Full republication of the Decision of 29 July 2009 modified to implement Directive 2008/48/EC on consumer credit agreements.

Publication Date:: 25 February 2010

Decision of 15 February 2010 pdf 155 KB Act of issuance - Implementation of the Payment Services Directive

Full republication of the Decision of 29 July 2009 with the necessary modifications for the implementation of the Legislative Decree implementing Directive 2007/64/EC on payment services in the internal market for the parts concerning the transparency of payment services and operations and the adherence of payment service providers to the Financial Ombudsman.

Publication Date:: 09 December 2014

Decision of 27 November 2009 pdf 401 KB

Publication Date:: 29 July 2009

Decision of 29 July 2009 pdf 563 KB Text of the Provisions updated to 20 June 2012

Publication Date:: 27 July 2010

Communication regarding the Decision of 29 July 2009 pdf 238 KB Frequently Asked Questions

Publication Date:: 25 February 2010

Implementation of Directive 2007/64/EC, on payment services in the internal market, amending Directives 97/7/EC, 2002 pdf 2 MB Implementation of Directive 2007/64/EC, on payment services in the internal market, amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC, 2006/48/EC, and repealing Directive 97/5/EC

Publication Date:: 17 May 2011

List of banks offering the simple current account pdf 24 KB

Publication Date:: 25 February 2010

Annex 1 - Guide to the drafting of transparency documents pdf 199 KB

Publication Date:: 29 July 2009

Annex 2 - General document on rights pdf 144 KB as of 9 February 2011

Publication Date:: 10 February 2011

Annex 4A - Current account information sheet pdf 154 KB as of 9 February 2011

Publication Date:: 10 February 2011

Annex 4B - Mortgage information sheet pdf 173 KB as of 9 February 2011

Publication Date:: 10 February 2011

Annex 4C - European Basic Consumer Credit Information pdf 82 KB as of 9 February 2011

Publication Date:: 10 February 2011

Annex 4D - European consumer credit information for credit facilities and payment deferrals pdf 78 KB as of 9 February 2011

Publication Date:: 22 February 2010

Annex 5A - Act of issuance – Decision regarding operational profiles for calculating the ISC for current accounts pdf 154 KB as of 17 February 2010

Publication Date:: 22 February 2010

Annex 5A: Methodology for calculating the synthetic cost indicator for current accounts pdf 137 KB as of 17 February 2010

Publication Date:: 28 March 2013

Annex 5B - APR pdf 554 KB as of 28 March 2013

Publication Date:: 28 March 2013

Annex 5B - Act of issuance - Decision of 28 March 2013 pdf 34 KB Implementation of Directive 2011/90/EU regarding hypotheses for calculating the APR

Modification of the hypotheses for calculating the effective global rate.

Publication Date:: 29 July 2009

Annex 6 - Schema for indicating the ISC in the summary document pdf 61 KB

Publication Date:: 22 February 2010

Annex 6A - Schema for indicating the ISC in the summary document for "convention" accounts pdf 53 KB

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