{"id":2646827,"date":"2022-08-11T15:00:13","date_gmt":"2022-08-11T12:00:13","guid":{"rendered":"https:\/\/www.arb.ro\/?p=4695"},"modified":"2025-10-10T12:03:03","modified_gmt":"2025-10-10T09:03:03","slug":"asigurarea-protectiei-utilizatorilor-de-produse-si-servicii-bancare-2","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/asigurarea-protectiei-utilizatorilor-de-produse-si-servicii-bancare-2\/","title":{"rendered":"Asigurarea protec\u0163iei utilizatorilor de produse \u015fi servicii bancare"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"2646827\" class=\"elementor elementor-2646827\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-679b834a e-flex e-con-boxed e-con e-parent\" data-id=\"679b834a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46434902 elementor-widget elementor-widget-text-editor\" data-id=\"46434902\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: justify;\">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><p style=\"text-align: justify;\">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><p style=\"text-align: justify;\">RAB has been interested in the continuation of the actions related to the completion of the project on verifying the authenticity of the identity documents submitted by bank customers applying to be granted diverse banking products, documents considered suspicious. The verification of their authenticity in the data base of the Directorate for Persons Records and Data Bases Management of the Ministry of the Administration and the Interior targets the protection of both customers and banks by eliminating the fraud related to forgery and to identity theft. The assessment of such actions\u2019 impact should lead to enhanced protection for good-faith customers, with their previous express consent.<\/p><p style=\"text-align: justify;\">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><p style=\"text-align: justify;\"><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-4723\" src=\"https:\/\/www.arb.ro\/wp-content\/uploads\/arb-Asigurarea-utilizatorilor.jpg\" alt=\"arb - Asigurarea utilizatorilor\" width=\"630\" height=\"435\" srcset=\"https:\/\/www.arb.ro\/wp-content\/uploads\/arb-Asigurarea-utilizatorilor.jpg 630w, https:\/\/www.arb.ro\/wp-content\/uploads\/arb-Asigurarea-utilizatorilor-300x207.jpg 300w\" sizes=\"(max-width: 630px) 100vw, 630px\" \/><\/p><p style=\"text-align: justify;\">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><p style=\"text-align: justify;\">Textul Ordinului stabile\u0219te noile condi\u021bii pe care persoanele juridice de drept privat trebuie s\u0103 le \u00eendeplineasc\u0103 pentru p\u0103strarea \u00een condi\u0163ii de siguran\u0163\u0103 a datelor cu caracter personal, \u00een condi\u021biile audit\u0103rii anuale a sistemelor informatice de securitate\u00a0 de c\u0103tre un auditor extern independent.<\/p><p style=\"text-align: justify;\">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><p style=\"text-align: justify;\">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><p style=\"text-align: justify;\">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><p style=\"text-align: justify;\">Noul protocol de colaborare dintre Agen\u0163ia Na\u0163ional\u0103 de Administrare Fiscal\u0103 \u015fi institu\u0163iile de credit intr\u0103 \u00een vigoare \u00eencep\u00e2nd cu data de <strong>16 august 2022<\/strong>.<\/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":"<p>Comunitatea bancar\u0103 r\u0103m\u00e2ne preocupat\u0103 de consecin\u021bele fraudelor de fals \u0219i furt de identitate, precum \u0219i de uz de fals a documentelor de munc\u0103, \u0219i continu\u0103 s\u0103 sus\u021bin\u0103 necesitatea implement\u0103rii unor proiecte care au ca scop protec\u021bia clien\u021bilor de bun\u0103 credin\u021b\u0103 \u0219i evitarea unor incidente care s\u0103 afecteze imaginea \u0219i stabilitatea sistemului bancar. Asocia\u021bia Rom\u00e2n\u0103 a [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[73],"tags":[],"class_list":["post-2646827","post","type-post","status-publish","format-standard","hentry","category-proiecte"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asigurarea protec\u0163iei utilizatorilor de produse \u015fi servicii bancare - 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\/asigurarea-protectiei-utilizatorilor-de-produse-si-servicii-bancare-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asigurarea protec\u0163iei utilizatorilor de produse \u015fi servicii bancare - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" content=\"Comunitatea bancar\u0103 r\u0103m\u00e2ne preocupat\u0103 de consecin\u021bele fraudelor de fals \u0219i furt de identitate, precum \u0219i de uz de fals a documentelor de munc\u0103, \u0219i continu\u0103 s\u0103 sus\u021bin\u0103 necesitatea implement\u0103rii unor proiecte care au ca scop protec\u021bia clien\u021bilor de bun\u0103 credin\u021b\u0103 \u0219i evitarea unor incidente care s\u0103 afecteze imaginea \u0219i stabilitatea sistemului bancar. 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