Autore
Ghetti, Riccardo

Titolo
Trasparenza, recesso e nullità nell'offerta fuori sede
Periodico
Banca impresa società
Anno: 2015 - Volume: 34 - Fascicolo: 2 - Pagina iniziale: 233 - Pagina finale: 268

Italian rules on door-to-door sales of financial products are far from clear. Including a right of withdrawal and transparency requirements linked to a contract voidability mechanism, they are burdensome and encourage client opportunism. An analysis of both the structure of the relevant legal rules and their judicial enactment shows a lack of balance between the need for client protection and firm's right to sell products and services on clear and fair terms; this in turn leads to systemic inefficiencies and to an increase in client costs. Misuse of contract invalidity rules by courts and matching strategic behaviours by plaintiffs also emerge. Door-to-door sales regulation now in place should be repealed and replaced with an extension of suitability requirements as provided by MiFID for investment advice and portfolio management services to all door-to-door sales contracts.



SICI: 1120-9453(2015)34:2<233:TRENNF>2.0.ZU;2-Z
Testo completo: https://www.rivisteweb.it/download/article/10.1435/81928
Testo completo alternativo: https://www.rivisteweb.it/doi/10.1435/81928

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