Chiarezza e comprensibilità del linguaggio nei contratti bancari.

Consumers’ equal access to credit and payment services is hindered by the cryptic and sometimes misleading language of the contractual and pre-contractual forms unilaterally prepared by intermediaries, even if based on the provisions of banking contract regulations and the provisions of the supervisory authorities. The problem is accentuated for those consumers who find themselves in a particularly ‘weak’ personal condition, such as migrants and, more generally, foreigners established in Italy, for whom the protection instruments provided for the ‘average consumer’ may be ineffective. Therefore, we intend to focus attention on the central role of intermediation aimed at facilitating the understanding of pre-contractual information and negotiation offers in the credit sector; on the further tool of customizing the contract and negotiation activity, as an approach recently re-evaluated by European legislation; and, finally, the importance of financial education as a means of preventive protection aimed at making savers aware of the pitfalls of contracts, especially in terms of their economic consequences.