Despite being almost unnoticed, on the corporate website of the Bank of Italy was published in May 2009, the revision of "Guidelines for the collection of average rates of charge under the law usury. "
This document has been increasingly used by consultants and banks (unfortunately) too many OTC and judges to assert that CMS does not enter the calculation of TEG.
Finally, the Bank of Italy, in order to adapt the instructions on the detection of TEG with the regulation of L. 2 / 2009, CMS has included in component costs "of funding formula used for duration of (c / c).
The review is not without its critics - we will return soon - but it still represented a clear success in the road that leads to the final abolition of the overdraft charges.
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