Compliance finanziaria e money transfer: oscurità e criticità regolatorie.

The diffusion of money transfer services, used by migrants to send remittances, raises delicate legal issues concerning the clarity and comprehensibility of information and contractual documents. This contribution aims to analyse the regulatory opportunities and criticalities present, focusing on the transparency obligations imposed by Directive (EU) 2015/2366 (PSD2), which aims at the accessibility and comprehensibility of pre-contractual information, so that even migrants, often less familiar with legal and financial terminology, can make informed decisions. The amount of information required by the directive, although indispensable for the protection of consumer rights, risks compromising accessibility for the less experienced. Through the Gulpease analysis of information texts of the main money transfer operators, an important axiological-legislative reflection was carried out on the need for regulatory reforms that, through the linguistic and graphic simplification of documents, can guarantee real protection of fundamental rights, including the right to accessible information, in line with the principle of substantial equality enshrined in the Constitution and with the objective of promoting social inclusion.