PSOE and Unidas Podemos as parties of the governing coalition, banks are required to suggest preferential attention and personally seniors in their offices for at least three hours a day. This is reflected in the amendments submitted to the bill for the creation of the Financial Client Defense Authority to which this paper has access. If your offer persists, each of your offices identify a person with “special education and qualification” “Senior Manager”. They will also have to teach special education for employees responsible for providing personalized services to vulnerable groups.
Both groups in the legislature want parties to ensure: face to face at least in their offices two working days with once a week at least six hours in each. At the same time, they suggest that they have an obligation to have a service. personalized phone attention unpaid, working all hours, “preferential, privileged and by the same person until the solution subject or event that should be present, especially to the elderly”.
PSOE and UP also argue that banks have to implement measures such as: easy to read and simple search engines on its pages network and for applications mobile phones. Regarding financial inclusion, rural spainthey want organizations to guarantee their installation and proper operation, both in their offices and through other means. ATMs “accessible and easy to use”. The geographical location of the beneficiary municipalities and the demographic criteria are determined by the regulation.
On the other hand, two parliamentary groups are proposing to authorize the Bank of Spain to exercise supervision. ‘mystery shop’ in the commercialization and tendering of banking services (i.e. without the prior notification of their officials or the need to identify themselves as such). they want too contracts with banks for payment services they can to cancel by consumer without notice and within 24 hoursi.e. with the same ease as it allows assets to be opened online.
PSOE and UP also basic payment accounts (which institutions are obliged to give to vulnerable groups such as immigrants who do not have a residence permit), but they have also introduced individual changes in this area, as they have preserved some differences in this regard.
Reinforce commitments
Groups of government alliance, thus, raised raise to the rank of law a series obligations Thus credit institutions – as well as investment companies, insurers and pension funds – have to lend. customized services customers, especially vulnerable groups such as over 65 years oldwith people disability and its inhabitants municipalities populated population less than 5,000. through two Good Practice Codes, Banks committed last year to improve care for the elderly and disabled, as well as provide access to cash in rural Spain.
Both plans were a few days ago. meeting by the vice president of economics, Nadia Kalvinobank employers (AEB, CECA and Unacc), consumer association till the end and its representatives bigger. At the meeting a positive feedback progress and officially committed organizations do not remove notebooks 65 years old. Adherence to the Principles of Good Practice is optional, but once accepted (as most of the industry does) eligibility is mandatory. With the amendment proposed by PSOE and UP, many of the obligations included in these plans, strengthen the level of obligation.
Social Security
On the other hand, PSOE and Unidas Podemos, pensions and social benefits between Social Security can be paid to the beneficiaries through bank officesbut also in certain ways collaborating organizations of financial institutions. “The business model of these organizations is, for example, payment institutionsbased on its establishment. many service points face-to-face across the country – for example, small business generics restoration or sale where an access point and face-to-face service is installed, more users and not having to claim a certain level of regular income, and therefore more accessible“, the groups justified in a similar change to another of the PNV.
The parties forming the executive alliance therefore proposed to introduce new cooperation systems in favor of the executive in the payment of Social Security obligations. financial participation“, according to the change. “This reinforces the response of the project. [de ley] They want to solve the problem of the public’s access to financial services,” they reason. In particular, they want a new section to be added to Article 79. General Social Security Law Thus, “financial institutions duly registered with the Bank of Spain and their groups or associations” may be authorized “by themselves or through a representative body” for “”.cooperate in payment Obligations of the Social Security system”.
Source: Informacion
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