{"id":28112,"date":"2020-09-11T13:04:29","date_gmt":"2020-09-11T11:04:29","guid":{"rendered":"https:\/\/www.lexibc.com\/?page_id=28112"},"modified":"2021-05-12T13:33:29","modified_gmt":"2021-05-12T12:33:29","slug":"banking-and-financial-services-law","status":"publish","type":"page","link":"https:\/\/www.lexibc.com\/en\/banking-and-financial-services-law\/","title":{"rendered":"Banking and financial services law"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_section full_width=&#8221;stretch_row&#8221;][vc_row][vc_column][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][\/vc_row][vc_row gap=&#8221;35&#8243; content_placement=&#8221;middle&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Banking law concerns the regulation of the banking sector with particular reference to the relationship with customers, pursuant to the Italian Banking Law (testo unico Bancario), EU legislation and further provisions issued by the Bank of Italy and the European Central Bank.&#8221; font_container=&#8221;tag:p|font_size:20px|text_align:left|line_height:28px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599821757951{margin-bottom: 15px !important;}&#8221;][vc_column_text]<strong>Financial services law pertains to the regulation of the financial sector, with particular reference to the offer of financial services and financial assets to customers<\/strong> (e.g. shares, bonds, units of collective investment schemes, derivatives and so on), as provided for in the Italian Law on Finance, the EU legislation and the regulations issued by Consob (Italian Financial Authority).[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;24334&#8243; img_size=&#8221;full&#8221; style=&#8221;vc_box_shadow&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1591601746472{background-image: url(https:\/\/www.lexibc.com\/media\/bg_section_2.jpg?id=27819) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221;][vc_row][vc_column][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row gap=&#8221;35&#8243; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1588084584069{margin-bottom: 0px !important;}&#8221;][vc_column][vc_custom_heading text=&#8221;<small>Legal services provided in<\/small><br \/>\n<strong> banking and financial services law<\/strong>&#8221; font_container=&#8221;tag:h2|font_size:43px|text_align:left|color:%23000000|line_height:54px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599821850927{margin-top: 0px !important;margin-bottom: 15px !important;}&#8221; el_class=&#8221;vc_hidden-xs&#8221;][vc_custom_heading text=&#8221;<small>Legal services provided in<\/small><br \/>\n<strong> banking and financial services law<\/strong>&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23000000|line_height:37px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599821855371{margin-top: 0px !important;margin-bottom: 15px !important;}&#8221; el_class=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_column_text]<strong>Lex IBC provides qualified legal advice on bank contracts including credit and mortgages<\/strong> (anatocism, usury, violations of banking and financial regulations), effectively assists in bank litigation, and in the renegotiation of bank contracts, as well as in the restructuring of corporate debt.<\/p>\n<p>Lex IBC also advises on financing contracts, leasing and factoring, the release of guarantees, and non performing loans.<\/p>\n<p><strong>The Law firm follows the developments regarding digital payments and fintech and on innovative and alternative forms of credit.<\/strong><\/p>\n<p>Thanks to the experience and knowledge gained in this field, the Law Firm can truly offer specialist advice and assistance in contracts relating to financial services, as well as in the management of reimbursement practices in favour of savers and businesses affected by bank defaults. The Firm, in particular, assists in disputes regarding the off-site offer of financial products.[\/vc_column_text][vc_empty_space height=&#8221;40px&#8221;][vc_custom_heading text=&#8221;<small>Risks for customers and investors:<\/small><br \/>\n<strong>why to ask for a lawyer&#8217;s advice<\/strong><br \/>\n&#8221; font_container=&#8221;tag:h2|font_size:43px|text_align:left|color:%23000000|line_height:54px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599822016868{margin-top: 0px !important;margin-bottom: 15px !important;}&#8221; el_class=&#8221;vc_hidden-xs&#8221;][vc_custom_heading text=&#8221;<small>Risks for customers and investors:<\/small><br \/>\n<strong>why to ask for a lawyer&#8217;s advice<\/strong><br \/>\n&#8221; font_container=&#8221;tag:h2|font_size:30px|text_align:left|color:%23000000|line_height:36px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599822021710{margin-top: 0px !important;margin-bottom: 15px !important;}&#8221; el_class=&#8221;vc_hidden-lg vc_hidden-md vc_hidden-sm&#8221;][vc_column_text]<strong>The banking and financial services market is experiencing a significant development of innovative banking and financial products, some valid, others that present more benefits for the banks and companies that promote them than for customers.<\/strong><\/p>\n<p>As the recent past teaches, relying solely on the advice of the bank or financial advisors, without a legal knowledge of the proposed banking\/financial contract\/transaction can be harmful and counterproductive.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content_no_spaces&#8221; equal_height=&#8221;yes&#8221; content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1587979775004{margin-top: 0px !important;margin-bottom: 0px !important;padding-top: 0px !important;padding-bottom: 0px !important;}&#8221; el_class=&#8221;styledimage-row&#8221;][vc_column width=&#8221;1\/4&#8243; el_class=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;27900&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1592296740947{margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/4&#8243; el_class=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;24258&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1588086246320{margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/4&#8243;][vc_single_image image=&#8221;24257&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1588086250027{margin-bottom: 0px !important;}&#8221;][\/vc_column][vc_column width=&#8221;1\/4&#8243; el_class=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;24340&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1588086253823{margin-bottom: 0px !important;}&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;30px&#8221;][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; gap=&#8221;10&#8243; content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1588087421232{margin-bottom: 0px !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;<small>Why Lex IBC for the<\/small><br \/>\n<strong>banking and financial services law<\/strong>&#8221; font_container=&#8221;tag:h2|font_size:34px|text_align:left|color:%23000000|line_height:45px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599822088602{margin-top: 0px !important;margin-bottom: 15px !important;}&#8221;][vc_column_text]<strong>Lex IBC has acquired a specific experience on the regulatory issues relating to financial instruments and Consob\u2019s sanctioning procedures.<\/strong><\/p>\n<p>In addition, LEX IBC has been advising its clients in cases related to the renegotiation of bank contracts, the restructuring of bank debt and banking disputes, with satisfactory results.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243; css=&#8221;.vc_custom_1588087194259{padding: 25px !important;background-color: #eb5353 !important;}&#8221;][vc_custom_heading text=&#8221;<strong>Successful cases<\/strong>&#8221; font_container=&#8221;tag:h2|font_size:34px|text_align:left|color:%23000000|line_height:45px&#8221; google_fonts=&#8221;font_family:Montserrat%3Aregular%2C700|font_style:400%20regular%3A400%3Anormal&#8221; css=&#8221;.vc_custom_1599822120134{margin-top: 0px !important;margin-bottom: 15px !important;}&#8221;][vc_column_text]The successful cases concern, in particular:<\/p>\n<ul>\n<li>Damages awarded to companies for bank loans and credit lines affected by anatocism or usury<\/li>\n<li>Renegotiations of bank credit lines<\/li>\n<li>Cancellation of debt positions in the public and private databases of bad debtors in Italy (Centrale Rischi of Bank of Italy, Crif, Assilea, etc&#8230;)<\/li>\n<li>Cancellation of undue banking charges and commissions,<\/li>\n<li>Defense of financial advisors.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space height=&#8221;40px&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section full_width=&#8221;stretch_row&#8221; 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content_placement=&#8221;middle&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_custom_heading text=&#8221;Banking law concerns the regulation of the banking sector with particular reference to the&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-28112","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/pages\/28112","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/comments?post=28112"}],"version-history":[{"count":4,"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/pages\/28112\/revisions"}],"predecessor-version":[{"id":28548,"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/pages\/28112\/revisions\/28548"}],"wp:attachment":[{"href":"https:\/\/www.lexibc.com\/en\/wp-json\/wp\/v2\/media?parent=28112"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}