Two recent decisions of the Italian Banking and Financial Ombudsman (ABF) on the assessment of consumers’ creditworthiness provide an opportunity to highlight the innovations introduced through the transposition of the Directive (EU) 2023/2225 of the European Parliament and of the Council on consumer credit. This article examines whether, in light of the amended legal framework, the interpretative approaches concerning the consequences of an inaccurate or omitted creditworthiness assessment are likely to change or should instead be regarded as confirmed.
Dell'Oglio, G. (2026). Omessa o errata valutazione del merito creditizio del consumatore e rimedi civilistici : il giusto rimedio alla luce della Dir. 2023/2225/UE : spunti a margine di Coll. ABF Bari n. 5878/2025 e Coll. ABF Torino n.5594/2025. RIVISTA DI DIRITTO PRIVATO(3).
Omessa o errata valutazione del merito creditizio del consumatore e rimedi civilistici : il giusto rimedio alla luce della Dir. 2023/2225/UE : spunti a margine di Coll. ABF Bari n. 5878/2025 e Coll. ABF Torino n.5594/2025
Dell'Oglio, Giuseppe
2026-01-01
Abstract
Two recent decisions of the Italian Banking and Financial Ombudsman (ABF) on the assessment of consumers’ creditworthiness provide an opportunity to highlight the innovations introduced through the transposition of the Directive (EU) 2023/2225 of the European Parliament and of the Council on consumer credit. This article examines whether, in light of the amended legal framework, the interpretative approaches concerning the consequences of an inaccurate or omitted creditworthiness assessment are likely to change or should instead be regarded as confirmed.
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