after compounding Quarterly commissions also become legitimate overdraft charges. The CMS is restored by the dismantling of the Judiciary Law 2 / 09. [1]
Summary. 1. Introduction: the evolution of CMS. 2. Methodology of calculation of CMS: elements of unfairness. 3. The line of decisions in recent years to the nullity of the CMS. 4. The Law 2 / 09: void behind the doubling of the CMS. 5. The CMS in the calculation of TEG: The new instructions of the Bank of Italy for the detection rates for the purposes of usury law. 5. Summary and conclusions.
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