{"id":2844,"date":"2026-10-04T14:15:33","date_gmt":"2026-10-04T14:15:33","guid":{"rendered":"https:\/\/harghitainfo.ro\/?p=2844"},"modified":"2026-10-04T14:15:33","modified_gmt":"2026-10-04T14:15:33","slug":"reguli-noi-pentru-creditorii-ifn-masuri-de-siguranta","status":"publish","type":"post","link":"https:\/\/harghitainfo.ro\/?p=2844","title":{"rendered":"Reguli Noi pentru Creditorii IFN: M\u0103suri de Siguran\u021b\u0103"},"content":{"rendered":"<p>Senatorii USR Cynthia P\u0103un \u0219i Remus Negoi au propus o ini\u021biativ\u0103 legislativ\u0103 \u00een Parlament care impune creditorilor IFN s\u0103 verifice identitatea clien\u021bilor \u0219i s\u0103 comunice situa\u021bia final\u0103 a creditului \u00een maximum cinci zile. Proiectul urm\u0103re\u0219te prevenirea fraudelor \u0219i asigurarea unei comunic\u0103ri clare c\u0103tre consumatori la \u00eencetarea unui contract de credit.<\/p>\n<p>O m\u0103sur\u0103 cheie este obligativitatea verific\u0103rii identit\u0103\u021bii consumatorului \u00eenainte de \u00eencheierea unui contract de credit la distan\u021b\u0103. De asemenea, notific\u0103rile c\u0103tre consumatori trebuie trimise prin mijloace care permit confirmarea primirii, cum ar fi scrisoarea recomandat\u0103 cu confirmare de primire.<\/p>\n<p>Senatoarea Cynthia P\u0103un a subliniat c\u0103 legea a protejat mai mult creditorii dec\u00e2t consumatorii, iar ini\u021biativa propus\u0103 transfer\u0103 costul \u0219i riscul verific\u0103rii c\u0103tre creditor. Ea a men\u021bionat c\u0103 mul\u021bi oameni s-au trezit cu datorii f\u0103r\u0103 s\u0103 fi semnat un contract, iar sistemul actual a permis astfel de practici.<\/p>\n<p>Proiectul prevede \u0219i obliga\u021bia creditorilor de a transmite o situa\u021bie clar\u0103 \u0219i standardizat\u0103 a creditului la \u00eencetarea contractului. Aceasta trebuie s\u0103 includ\u0103 detalii despre valoarea creditului, pl\u0103\u021bile efectuate, soldul final \u0219i raport\u0103rile c\u0103tre sistemele de eviden\u021b\u0103 a riscului de credit, toate \u00een termen de cinci zile lucr\u0103toare.<\/p>\n<p>Senatorul Remus Negoi a declarat c\u0103 consumatorii nu ar trebui s\u0103 a\u0219tepte luni de zile pentru a afla situa\u021bia final\u0103 a unui credit \u0219i c\u0103 creditorii trebuie s\u0103 demonstreze verificarea identit\u0103\u021bii \u00een caz de fraud\u0103. Ini\u021biativa clarific\u0103 \u0219i regulile privind notificarea cesiunii unei crean\u021be \u0219i momentul de \u00eencepere a activit\u0103\u021bilor de recuperare de c\u0103tre noul creditor.<\/p>\n<p>Prin aceste m\u0103suri, propunerea legislativ\u0103 aduce mai mult\u0103 transparen\u021b\u0103, predictibilitate \u0219i securitate juridic\u0103 pentru consumatori, reduc\u00e2nd riscul de fraude \u0219i disputele privind comunicarea notific\u0103rilor sau situa\u021bia final\u0103 a creditelor. Proiectul urm\u0103re\u0219te, de asemenea, eliminarea diferen\u021belor de tratament \u00eentre consumatorii cu credite de consum \u0219i cei cu credite imobiliare.<\/p>\n<p><em>Sursa: <a href=\"https:\/\/www.stiripesurse.ro\/usr-creditorii-ifn-obligati-sa-verifice-identitatea-clientilor-si-sa-transmita-situatia-finala-a-creditului-in-maximum-5-zile_3925521\" target=\"_blank\" rel=\"nofollow noopener\">Surse<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Senatorii USR Cynthia P\u0103un \u0219i Remus Negoi au propus o ini\u021biativ\u0103 legislativ\u0103 \u00een Parlament care impune creditorilor IFN s\u0103 verifice identitatea clien\u021bilor\u2026<\/p>\n","protected":false},"author":1,"featured_media":2845,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-2844","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-politica"],"_links":{"self":[{"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=\/wp\/v2\/posts\/2844","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2844"}],"version-history":[{"count":0,"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=\/wp\/v2\/posts\/2844\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=\/wp\/v2\/media\/2845"}],"wp:attachment":[{"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2844"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2844"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/harghitainfo.ro\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}