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"The final consumer's bill will be indirectly affected by the introduction of the pillar tax"

Reporter: How did 2024 end for energy suppliers, and what are the prospects for 2025?

Călin Georgescu - blocked on the way to Cotroceni

The end of the calendar autumn was marked by the presidential and parliamentary elections that took place on November 24 and December 1. For this reason, in order to increase its chances before the election and to maximize the chances of its own...

At the end of July, the net assets of private pension funds in our country were 152.3 billion lei, the average value of the account being almost 17,000 lei. Of the more than 152 billion, only 5.4 billion represented the assets of optional pension funds (Pillar III), while the average value of the account was around 7,000 lei, according to the data available on the website desprepensiiprivate.ro.

What returns did Pillar II funds have in the first seven months of the year?

The nominal returns of the seven Pillar II private pension funds were around 8%, in the first seven months of this year, respectively 14-16% in the period July 2023 - July 2024, performances above those achieved in normal. They are really...

ASF Vice President Dan Armeanu says that an important factor in stimulating the development of voluntary private pension funds is represented by the level of tax deductibility of contributions.

"The demographic evolution increased the pressure on the public pension system"

Reporter: How adequate do you think the current pension system architecture is for our country's current and future needs?

Piperea: "The law capping interest on IFNs has big differences compared to the original draft"

The law capping interest on loans granted by non-banking financial institutions (IFNs) and debt collectors has, unfortunately, big, essential differences compared to the original draft, lawyer Gheorghe Piperea, current MEP, who wrote the draft...

The capping of interest on IFNs, promulgated by President Klaus Iohannis

The law on the capping of interest at non-banking financial institutions and the limitation of claims requested by debt collectors, a normative act that joins the law of giving in payment, citizens have a shield that protects them against any...

Paul Anghel, the general director of the National Authority for Consumer Protection (ANPC): "We went to the side of informing economic operators, we went to the side of advising them. We launched certain guides, either on the public food side or on the of tourist accommodation and in the entertainment area. I took a look at the Romanian coast long enough ago, I found certain locations that did not meet the legal requirements along the way. There are those that are seasonal, the economic operators seasonal and that come for a short period disturbs in a way, in quotes, the peace of economic operators who have been investing for years on the Romanian coast".

ANPC has started the checks of economic agents on the coast

The checks carried out at economic agents on the coast this summer season will be under the light of advice and prevention, said Paul Anghel, the general director of the National Authority for Consumer Protection (ANPC), on the occasion of the...

Europe's air traffic nightmare

Air transport seems to face serious problems every summer season. The large number of flights scheduled during the summer, the lack of available slots and the unfavorable weather conditions caused by climate change lead to the cancellation or...

Correct functioning of prevention mechanisms - essential factor for preventing insolvency

Following the crises that followed from 2019 until now and the over-indebtedness of companies, individuals, but also of states, it is vital that the mechanisms to prevent insolvency or bankruptcy work correctly and an interpretation agreed by all...

ANPC wants to hire 200 finance-bank specialists; The BNR wants to take over the protection of the banking consumer; there is no money in the budget

In the context in which the state budget is facing a deficit of over 56 billion lei, and budget expenses are 14% higher than last year, for which the Ciucă Cabinet approved GEO 90/2023, for the reduction of budget expenses for the year 2023 , the...

Isărescu says that he does not want to take over the protection of banking consumers, but that he accepts it

The governor of the National Bank of Romania spoke publicly for the first time regarding the transfer of consumer protection duties from ANPC to the central bank. Although he wanted to appear categorical, Mugur Isărescu appeared rather undecided....

7% - the deficit being worked with for the current year Liberalization for energy, open for restaurants, but vaccination has gotten stuck

Reorganization or listing on the stock market?

FINANCIAL JUNEGovernment in a state of alert, people at ease, deficit rising

The state of alert has left its mark both on the political scene and the economic activity carried out in June. Many of the measures passed by the Government and Parliament have been aimed at further supporting the private business community and...

Vasilescu, NBR: "We hope that banks will come out clean from the audit of the Competition Council"

AFTER BEING INVESTIGATED BY THE TAX ADMINISTRATION AND THE ANPC, BANKS GET INVESTIGATED BY THE COMPETITION COUNCILVasilescu, NBR: "We hope that banks will come out clean from the audit of the Competition Council"

The financial banking system seems to be the focus of most of the investigation entities. After being audited by the National Tax Administration Agency (ANAF) and by the National Consumer Protection Authority (ANPC), some of the banks which...

Paul Anghel, ANPC: "It is abnormal for some telephony operators to interpret < < unlimited > > as < < limited > >"

THE COURT RULED THAT SOME CONTRACTS CONCLUDED BY CELL PHONE COMPANIES INCLUDE ABUSIVE CLAUSESPaul Anghel, ANPC: "It is abnormal for some telephony operators to interpret < < unlimited > > as < < limited > >"

The Courts have decided that some contracts concluded by the telephony companies contain abusive clauses. The Court rulings were rendered last year, as well as in 2016, but the argumentations have been formulated relatively recently.

ANPC STRIKES AGAINBCR, slammed by the courts in a class action lawsuit over abusive lending clauses

After forcing Raiffeisen Bank to eliminate the unfair practices from the loan agreements, the National Consumer Protection Authority (ANPC) strikes again, this time the biggest bank in the system. BCR lost in the court of first instance, against...

AFTER FINDING THAT THE STRATEGY OF RAIFFEISEN BANK WAS DISHONESTThe ANPC will audit all banks that have granted CHF loans

All the banks that have granted CHF loans will be audited by the National Consumer Protection Authority (ANPC), its chairman Bogdan Pandelică, announced yesterday in the Economic Commission of the Senate.

IN THE ROW OF THE DOUBLE STANDARDPetre Daea has exasperated Mihai Tudose

The results of the tests concerning the double standard, conducted on some of the foods and presented on Wednesday by agriculture minister Petre Daea has raised a series of questions, angering both the press and the representatives of consumer...

Ianfred Silberstein is an administrator at Easy Credit and strategy consultant with the NBR

FINES OF 337,000 LEI, FOR ABUSIVE CLAUSES IN LENDING CONTRACTSThe ANPC has revealed the deceitful practices of Non-banking Financial Companies

The non-banking financial institutions have been fined a total of 337,000 lei, following the audit conducted by the National Consumer Protection Agency (ANPC), between May 8th, 2017 - June 16th, 2017, according to a report of the ANPC, published...

Consumers doubt the impartiality of the NBR banking law seminars

IN A LETTER SENT TO THE INM AND THE CSM, CONSUMER ASSOCIATIONS WANT TO BE PRESENT IN THE DEBATESConsumers doubt the impartiality of the NBR banking law seminars

Four consumer associations - Parakletos, the Association of Romanian Financial Services Users (AURSF), the Association for the Counseling of Romanian Bank Customers and Insurance Policy Holders (ACCBAR) and the Pro-Consumer Association (APC...

GABRIEL PURICE, BRM:"The placement on real economic foundations of the natural gas market is the most correct solution"

Reporter:How do you see the scandal from the Industries Commission of the Chamber of Deputies, concerning Emergency Government Ordinance 64/2016 on the liberalization of natural gas starting with April 1st?

EXCLUSIVE - THREE FACES: ONE IN PUBLIC, ANOTHER IN THE COURT OF JUSTICE OF THE EUROPEAN UNION AND ANOTHER IN THE CONSTITUTIONAL COURTThe hypocrisy of technocrat Cioloş

One of the class action lawsuits in which lawyer Gheorghe Piperea is defending bank borrowers has been brought before the Court of Justice of the European Union (CJEU), through the preliminary questions addressed by the Court of Appeal of Oradea....

THE CONSTITUTIONAL COURT HAS DECIDED:"The rulings in the ANPC versus the banks lawsuits apply to all similar contracts"

The rulings issued by the courts in the lawsuits filed by the National Consumer Protection Authority (ANPC) against banks apply to all similar loan contracts, the Constitutional Court of Romania ruled yesterday (CCR), which has rendered a ruling...

"Good luck to banks in scrubbing their reputation of the dirt that has accumulated during the boom period!"

BOGDAN OLTEANU, IN A DEBATE ON THE ALTERNATIVE LITIGATION RESOLUTION (SAL):"Good luck to banks in scrubbing their reputation of the dirt that has accumulated during the boom period!"

The period of economic boom has exacerbated the asymmetry between customers and banks, and this aspect has created the need to create an entity that would provide consumers with the option for the alternative resolution of disputes with banks,...

Isărescu: "The offer made by Bancpost is an aberration, I hope it will be a one-off case"

AFTER THE BANK PROPOSED THE CONVERSION OF A LOAN AT A HIGHER EXCHANGE RATE THAN THE ONE IT PRACTICEDIsărescu: "The offer made by Bancpost is an aberration, I hope it will be a one-off case"

The offer made by Bancpost is an aberration, says governor Mugur Isărescu, speaking about the conversion proposal made by the bank to a CHF borrower, which would have made the conversion at an exchange rate of 4.52 lei/CHF, while the regular...

Three credible sources claim that the ANPC has won the first "class action lawsuit" brought against a bank

The first hearing in a class action lawsuit in which the court has ruled in favor of borrowers apparently was apparently held yesterday, according to three credible sources: lawyer Gheorghe Piperea, ANPC president Marius Dunca and lawyer Adrian...

IN BRUSSELSPublic mega debate on the project of the Union of Capital Markets

Today, in Brussels, the European Commission is hosting the first public debate on the project to create the Capital Markets Union, after 400 notes have been sent in during the preliminary consultations, including from Romania.

NICOLAE CINTEZĂ:"It's not the NBR that wants the bail-in, but the European Union"

The Romanian authorities want Romania to enter the Eurozone, but they are not capable of transposing the provisions of the European legislation into ours, and when they do, they do it incorrectly, says Nicolae Cinteză, the head of the oversight...

BANCA TRANSILVANIA'S FAIRY BRINGS GOOD NEWS TO CHF BORROWERSBT eliminates the risk commission from all of Volksbank's loan contracts

While we've become accustomed to the fairy of Banca Transilvania presenting us "Plan B...as in BT", yesterday, the bank announced "plan A", after the completion of the acquisition of Volksbank România, specifically the program...

DARIUS VÂLCOV:"The new product for the resolution of the Swiss franc crisis - at an advanced stage"

The new product that the Ministry of Public Finance is working on together with bankers, for the resolution of the Swiss franc crisis (CHF), is at an advanced form, minister Darius Vâlcov said, without providing explanations.

BANKS - "TWO VISIONS""A clearer strategy would provide a boost to the entire economy"

Reporter: Citizens are increasingly wary of using banking services, which is already visible in opinion polls, as well as in the activity of banks. What do you think the banking system can do to regain the trust of the population?

A DELIBERATELY INDUCED CONFUSIONBanks promise higher "interest", but on mutual fund units that are not guaranteed, not on bank deposits

"Read the prospectus carefully" is a piece of advice that applies not only to drugs, but to financial products as well. A practice reported by some readers, as well as by analyst Valentin Cismaru, is the pushing by the banks of...

"There is a market for tips among thieves"

A credit strike - an unusual decision of one customer of BCR

One customer of the Romanian Commercial Bank (BCR) yesterday sent the members of the Romanian Parliament a letter requesting the investigation of the activities conducted by the Romanian Banking Association (ARB), the Government, the...

A credit strike - an unusual decision of one customer of BCR

One customer of the Romanian Commercial Bank (BCR) yesterday sent the members of the Romanian Parliament a letter requesting the investigation of the activities conducted by the Romanian Banking Association (ARB), the Government, the...

"Together with the ANPC, we want to increase the awareness level when it comes to mediation"

THE "BENEFITS OF MEDIATION IN DEALING WITH CONFLICTS" CONFERENCE /RADU GRAŢIAN GHEŢEA:"Together with the ANPC, we want to increase the awareness level when it comes to mediation"

According to its president, Radu Graţian Gheţea, the Romanian Banking Association (ARB) is considering the initiation of a draft law for increasing the awareness of the population about mediation, which would be submitted to the National Consumer...