{"id":1991,"date":"2023-09-15T06:46:19","date_gmt":"2023-09-15T06:46:19","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=1991"},"modified":"2023-09-15T06:46:19","modified_gmt":"2023-09-15T06:46:19","slug":"evropsky-parlament-schvalil-smernici-ccd2","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=1991","title":{"rendered":"Evropsk\u00fd parlament schv\u00e1lil sm\u011brnici CCD2"},"content":{"rendered":"<p><strong>Kl\u00ed\u010dovou sm\u011brnici, kter\u00e1 ovlivn\u00ed dostupnost i podobu spot\u0159ebitelsk\u00e9ho financov\u00e1n\u00ed v\u00a0cel\u00e9 Evropsk\u00e9 unii, schv\u00e1lil v\u00a0\u00fater\u00fd 12. z\u00e1\u0159\u00ed 2023 Evropsk\u00fd parlament. <\/strong><!--more--><\/p>\n<p>Do konce \u0159\u00edjna by m\u011bla b\u00fdt zve\u0159ejn\u011bna v \u00da\u0159edn\u00edm v\u011bstn\u00edku EU. Sm\u011brnice mimo jin\u00e9 reflektuje digitalizaci finan\u010dn\u00edch slu\u017eeb a do budoucna umo\u017en\u00ed spot\u0159ebitel\u016fm l\u00e9pe odli\u0161it f\u00e9rov\u00e9 poskytovatele p\u016fj\u010dek od t\u011bch pred\u00e1torsk\u00fdch. Na podob\u011b normy t\u00e9m\u011b\u0159 dva roky spolupracovala i \u010cesk\u00e1 leasingov\u00e1 a finan\u010dn\u00ed asociace (\u010cLFA) ve spolupr\u00e1ci s\u00a0\u010ceskou bankovn\u00ed asociac\u00ed (\u010cBA).<\/p>\n<p>Schv\u00e1len\u00ed sm\u011brnice CCD2 v\u00a0Evropsk\u00e9m parlamentu je prvn\u00edm krokem k\u00a0jej\u00edmu uveden\u00ed do praxe. Druh\u00fdm bude jej\u00ed efektivn\u00ed a rychl\u00e9 za\u010dlen\u011bn\u00ed do \u010desk\u00e9ho pr\u00e1vn\u00edho syst\u00e9mu, kter\u00e9 by m\u011blo prob\u011bhnout v\u00a0n\u00e1sleduj\u00edc\u00edch dvou letech.<\/p>\n<p><em>\u201eOsobn\u011b pova\u017euji za velk\u00fd \u00fasp\u011bch, \u017ee se poda\u0159ilo schv\u00e1lit vyv\u00e1\u017een\u00fd dokument, kter\u00fd na jedn\u00e9 stran\u011b posiluje ochranu a pr\u00e1va spot\u0159ebitel\u016f, ale na stran\u011b druh\u00e9 neomezuje schopnost odpov\u011bdn\u00fdch poskytovatel\u016f spot\u0159ebitelsk\u00fdch \u00fav\u011br\u016f i nad\u00e1le poskytovat klient\u016fm dostupn\u00e9 finan\u010dn\u00ed slu\u017eby,\u201c<\/em> uvedla Jana Hanu\u0161ov\u00e1, p\u0159edsedkyn\u011b p\u0159edstavenstva \u010cLFA. Jak d\u00e1le doplnila: <em>\u201e\u010cesk\u00e1 leasingov\u00e1 a finan\u010dn\u00ed asociace podporovala roz\u0161\u00ed\u0159en\u00ed p\u016fsobnosti sm\u011brnice na n\u011bkter\u00e9 neregulovan\u00e9 produkty, jako je nap\u0159\u00edklad crowdfunding. Jsme velmi r\u00e1di, \u017ee se ve v\u00fdsledn\u00e9 podob\u011b poda\u0159ilo tak\u00e9 prosadit akceptaci modern\u011bj\u0161\u00edch p\u0159\u00edstup\u016f p\u0159i ov\u011b\u0159ov\u00e1n\u00ed \u00fav\u011bruschopnosti. D\u00edky modern\u00edm technologi\u00edm, kter\u00e9 \u010dlenov\u00e9 \u010cLFA pou\u017e\u00edvaj\u00ed, tak m\u016f\u017ee b\u00fdt z\u00edsk\u00e1n\u00ed \u00fav\u011bru pro klienty rychlej\u0161\u00ed a pohodln\u011bj\u0161\u00ed.\u201c<\/em><\/p>\n<p>Mezi hlavn\u00ed \u00fapravy, kter\u00e9 p\u0159in\u00e1\u0161\u00ed nov\u00e1 sm\u011brnice CCD2, reaguj\u00edc\u00ed na rychlou a v\u00fdraznou digitalizaci finan\u010dn\u00edch slu\u017eeb, pat\u0159\u00ed nap\u0159\u00edklad roz\u0161\u00ed\u0159en\u00ed informa\u010dn\u00edch povinnost\u00ed finan\u010dn\u00edch instituc\u00ed z\u00e1jemc\u016fm o\u00a0\u00fav\u011br. Nov\u00e1 pravidla budou platit tak\u00e9 p\u0159i ov\u011b\u0159ov\u00e1n\u00ed p\u0159\u00edjm\u016f a v\u00fddaj\u016f \u017eadatele o \u00fav\u011br. Dal\u0161\u00ed zm\u011bnou je pln\u00e9 zregulov\u00e1n\u00ed dal\u0161\u00edch produkt\u016f, kter\u00e9 dnes v re\u017eimu sm\u011brnice nejsou bu\u010f v\u016fbec, nebo jenom<br \/>\nv omezen\u00e9m rozsahu \u2013 nap\u0159\u00edklad odlo\u017een\u00e9 platby (typu kup nyn\u00ed, zapla\u0165 pozd\u011bji), se kter\u00fdmi je spojeno obvykle bezplatn\u00e9 odlo\u017een\u00ed splatnosti men\u0161\u00edho \u00fav\u011bru. Regulace dopadne tak\u00e9 na P2P p\u016fj\u010dky nebo crowdfunding.<\/p>\n<p>\u010cesk\u00e1 leasingov\u00e1 a finan\u010dn\u00ed asociace (\u010cLFA) p\u0159i procesu zav\u00e1d\u011bn\u00ed CCD2 aktivn\u011b spolupracovala jak<br \/>\ns evropsk\u00fdmi federacemi Leaseurope a Eurofinas, tak i se St\u00e1l\u00fdm zastoupen\u00edm \u010cR p\u0159i EU.<\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>Kl\u00ed\u010dovou sm\u011brnici, kter\u00e1 ovlivn\u00ed dostupnost i podobu spot\u0159ebitelsk\u00e9ho financov\u00e1n\u00ed v\u00a0cel\u00e9 Evropsk\u00e9 unii, schv\u00e1lil v\u00a0\u00fater\u00fd 12. z\u00e1\u0159\u00ed 2023 Evropsk\u00fd parlament.<\/p>\n<\/div>","protected":false},"author":2,"featured_media":273,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banky"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1991","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1991"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1991\/revisions"}],"predecessor-version":[{"id":1992,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/1991\/revisions\/1992"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/273"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1991"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1991"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1991"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}