{"id":650,"date":"2025-01-03T16:30:39","date_gmt":"2025-01-03T14:30:39","guid":{"rendered":"https:\/\/new.arb.ro\/?page_id=650"},"modified":"2025-01-03T16:35:39","modified_gmt":"2025-01-03T14:35:39","slug":"asigurarea-utilizatorilor","status":"publish","type":"page","link":"https:\/\/www.arb.ro\/en\/proiecte\/asigurarea-utilizatorilor\/","title":{"rendered":"User protection"},"content":{"rendered":"
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User protection<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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The banking community has been concerned about the consequences of fraud related to forgery and to identity theft as well as to the use of forgery in the case of labour documents. We continue to state the necessity of implementing some projects having as aim the protection of good-faith customers and the avoidance of incidents which could affect the banking sector\u2019s image and stability.<\/p>\n

The Romanian Association of Banks (RAB) proposes to the authorities a set of concrete institutional collaboration manners with a view to provide efficient legal protection for the users of bank products and services, needless to say with the customers\u2019 previous and express consent.<\/p>\n

ARB manifest\u0103 un interes deosebit pentru continuarea demersurilor pentru finalizarea proiectului privind verificarea autenticit\u0103\u021bii documentelor de identitate prezentate de clien\u021bii b\u0103ncilor pentru ob\u021binerea diverselor produse bancare \u0219i considerate suspecte. Verificarea autenticit\u0103\u021bii acestora \u00een baza de date a Direc\u021biei Generale pentru Eviden\u021ba Persoanelor din cadrul Ministerului Afacerilor Interne vizeaz\u0103 protec\u021bia intereselor clien\u021bilor \u0219i b\u0103ncilor prin eliminarea fraudelor de fals \u0219i furt de identitate. Evaluarea impactului unor astfel de ac\u021biuni ar trebui s\u0103 conduc\u0103 la oferirea unei protec\u021bii sporite a clien\u021bilor de bun\u0103 credin\u021b\u0103 cu consim\u021b\u0103m\u00e2ntul expres prealabil al acestora.<\/p>\n

Moreover, the setting up of a formal framework for improving lending by mitigating fraud risk and a smoother operational lending process has been one of the main concerns of the banking community.<\/p>\n

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On February 1, 2022, it was published the Order of the president of the National Agency for Fiscal Administration no. 146\/2022 for approving the conditions for providing information, the framework model of the collaboration protocol, the procedure regarding the exchange of information between the National Agency for Fiscal Administration and the signatory legal persons of private law, as well as the access methods in dedicated information systems according to art. . 70 ^ 1 para. (1) lit. b) of law no. 207\/2015 on the Fiscal Procedure Code.<\/p>\n

The text of the Order establishes the new conditions that legal entities must meet for the safe keeping of personal data, subject to the annual audit of security IT systems by an independent external auditor.<\/p>\n

We remind you that the new collaboration Protocol published as an annex to Order no. 146\/2022 maintains the previous provisions by which the banks can verify the revenues of loan applicants natural persons and the financial statements of legal persons (with the applicants\u2019 consent). This document targets the improvement of lending by mitigating fraud risk and a smoother operational lending process, following the simplification of the documentation requested from applicants, by providing an adequate mechanism leading to the population\u2019s more intensive usage of bank products and services and preventing and combating fiscal evasion, by delivering the information held by each signatory in a prompt manner.<\/p>\n

In order to query fiscal information, credit institutions, signatories of the Protocol, request from applicants the signing of a written \u201cAgreement\u201d, on paper or in electronic format, document which observes the law. These agreements include persons\u2019 identification data, their contact data, as well as an express mention regarding the validity of an Agreement, i.e. 5 business days since the date the respective agreement was signed by a taxpayer. We must mention that RAB does not process the personal data related to this protocol belonging to third parties, the customers; this data is processed by the bank where the respective customer has his\/her account.<\/p>\n

The previously collaboration protocol was amended and supplemented with provisions related to the protection of fiscal secrecy, as well as for the case of an online request of a natural person, to obtain information and request consent.<\/p>\n

Noul protocol de colaborare dintre Agen\u0163ia Na\u0163ional\u0103 de Administrare Fiscal\u0103 \u015fi institu\u0163iile de credit a intrat \u00een vigoare \u00eencep\u00e2nd cu data de 16 august 2022.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

The Romanian Association of Banks (RAB) proposes to the authorities a set of concrete institutional collaboration manners with a view to provide efficient legal protection for the users of bank products and services, needless to say with the customers\u2019 previous and express consent.<\/p>","protected":false},"author":5,"featured_media":749,"parent":9,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-650","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"\nAsigurarea utilizatorilor - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/proiecte\/asigurarea-utilizatorilor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asigurarea utilizatorilor - 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