Europejski Urząd Nadzoru Bankowego, Opinia w sprawie ujawniania informacji konsumentom usług bankowych drogą cyfrową zgodnie z dyrektywą 2002/65/WE

EBA-Op-2019-12

23 October 2019

Opinion of the European Banking Authority on disclosure to consumers of banking services through digital means under Directive 2002/65/EC

Introduction and legal basis

1. In order for consumers to make informed decisions about their financial products and services, they should have access to high-quality information that is provided at the appropriate time, via suitable means, and that explains the features and costs across the lifetime of the product. This applies to the marketing of financial products and services that are marketed and/or sold at a physical meeting between the buyer and seller but even more so when the buyer and seller are not interacting with each other in the same physical location (‘distance marketing’).

2. Because of their intangible nature, financial services are particularly suited to distance marketing, which is why in the EU, a Directive established in 2002 a legal framework governing the distance marketing of financial services: the