Consumer Credit and Mortgage Credit Updates

- Χρηματοοικ. Ασφαλιστικά Τραπεζικά

17 Μάιου 2023 09:00 17 Μάιου 2023 14:45
Αγγλικά
5 ώρες ( 1 ημέρα )
Consumer Credit and Mortgage Credit Updates

ΠΕΡΙΓΡΑΦΗ

Directive 2008/48/EC on credit agreements for consumers (the Consumer Credit Directive), amended in 2011, 2014, 2016 and 2019, established a harmonised EU framework for consumer credit, to facilitate the emergence of a smoothly functioning internal market in consumer credit and provide a high level of consumer protection, thus ensuring consumer confidence.

Since the adoption of the 2008 Directive, digitalisation has profoundly changed the decision-making process and the habits of consumers in general, who now want a smoother and faster process for obtaining credit and often do so online. This also affects the lending sector, progressively becoming digitalised. The COVID-19 crisis and the resulting confinement measures have also disrupted the EU economy and had a major impact on the credit market and consumers. In 2021, the Commission adopted a proposal for a Directive on consumer credits which shall repeal Directive 2008/48. The proposal includes several new provisions concerning, among other, the creditworthiness assessment, arrears and forbearance measures, financial education, conduct of business obligations, caps on interest rates, and advisory services.

Furthermore, during 2021, a Report from the Commission was issued on the review of the Directive 2014/17/EU on credit agreements for consumers relating to residential immovable property (the Mortgage Credit Directive). This report has been prepared under Article 44 MCD, which requires the Commission to review the effectiveness and appropriateness of the provisions on consumers and the internal market, with an emphasis on the experience acquired in applying the Directive.

ΣΚΟΠΟΣ ΣΕΜΙΝΑΡΙΟΥ

  • To present the Proposal on consumer credits, with emphasis on the new provisions
  • To analyse the practical implications of the new requirements
  • To provide guidance concerning compliance with the new requirements
  • To present the Report on the Mortgage Credit Directive

 

ΣΕ ΠΟΙΟΥΣ ΑΠΕΥΘΥΝΕΤΑΙ

  • Legal advisors
  • Compliance officers
  • Any person who provides consumer credit and/or mortgage credit



ΠΕΡΙΣΣΟΤΕΡΕΣ ΠΛΗΡΟΦΟΡΙΕΣ

During the seminar there will be an overview of the following:

  • Information requirements
  • Provision of adequate explanations
  • Advisory services
  • Interest rates
  • Right of withdrawal
  • Right of early repayment
  • Linked credit agreements
  • Arrears and forbearance measures
  • Conduct of business obligations,
  • Creditworthiness assessment
  • Financial education

Training Style

The course shall include the presentation and analysis of the regulatory framework providing practical examples. The programme is designed to deliver knowledge and enhance participants’ skills via case-studies and practical examples. Participants will benefit from customised feedback at the end of the programme and take away the knowledge gained to be transferred at their workplace.


CPD Recognition

This programme may be approved for up to 5 CPD units in Banking and Financial Regulation. Eligibility criteria and CPD Units are verified directly by your association, regulator or other bodies which you hold membership.

Trainer's Information
Χριστίνα Λειβαδά - Assistant Professor of Commercial Law at University of Athens

Dr Christina Livada is an Assistant Professor of commercial law at the Faculty of Law of the National and Kapodistrian University of Athens. Her main fields of specialization are company law, banking and capital markets law, as well as consumer protection law. She is the author of several books and articles in the abovementioned fields. Christina Livada has been working at the Hellenic Bank Association for seventeen years as a Special Legal Advisor, responsible for the regulatory issues pertaining to banking, capital markets and consumer protection law. Since 2017 she has joined Alpha Bank as a Special Legal Advisor. She obtained her PhD from the Faculty of Law of the National and Kapodistrian University of Athens.

Αναλυτικό Κόστος Σεμιναρίου
  • € 220.00
  • € 0.00
  • € 41.80
  • € 220.00
ΠΡΟΓΡΑΜΜΑ ΣΕΜΙΝΑΡΙΟΥ

Τετάρτη - 17 Μάιου 2023

Ώρα

09:00 - 14:45

ΕΚΠΑΙΔΕΥΤΗΣ:

Χριστίνα Λειβαδά

Τοποθεσία:

OnLine Virtual Classroom

Εκδήλωση Ενδιαφέροντος : Consumer Credit and Mortgage Credit Updates

Σεμινάρια στην ίδια κατηγορία από τον ίδιο διοργανωτή
Sanctions Risk Management: Conducting International Business Safely...

International economic sanctions comprise restrictive measures – often complex – imposed by international actors of global influence aiming at curbing law-abuse...

03/04/2024 10:00

6 ώρες (2 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

Corporate Governance for Financial Institutions...

The concept/term Corporate Governance has featured regularly in discussions, both within the professional and academic community, since the 1990sand has become ...

10/04/2024 09:00

6 ώρες (1 ημέρα)

Αγγλικά

EIMF (Λευκωσία)

Tracking Cryptocurrency & Blockchain Developments...

This course is the definitive walkthrough of the most recent cryptocurrencies/crypto assets developments, technological advancements in Blockchain technology an...

24/04/2024 16:30

3 ώρες (1 ημέρα)

Αγγλικά

Live Online

Accounting and Taxation for Investment Funds...

In the dynamic landscape of financial markets, investment funds play a pivotal role. The Cyprus Funds industry is fast becoming one of the most promising sector...

09/05/2024 09:00

18 ώρες (5 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

ACAMS Certified Anti-Money Laundering Specialist (CAMS) Exam Preparati...

The Association of Certified Anti-Money Laundering Specialists (ACAMS) is the largest international membership organization dedicated to enhancing the knowledge...

14/05/2024 09:00

14 ώρες (4 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

Fund Set Up in Cyprus: A Practical Guide...

This Seminar aims to provide participants the knowledge and understanding to be able to set up a fund in Cyprus from A to Z. The Cyprus Fund Industry and the ba...

16/05/2024 10:00

10 ώρες (2 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

FinTech Security and Regulation (RegTech)...

With so many regulatory lapses and failures of big companies and banks, people are raising questions about the efficiency of the Regulators and Regulated Entiti...

21/05/2024 09:00

6 ώρες (1 ημέρα)

Αγγλικά

Live Online

Sanctions Screening – A Best Practice Guide...

The Sanctions landscape has changed significantly over the past month, with different AML/CTF obligations that each and every business must comply with.  Profes...

22/05/2024 10:00

6 ώρες (2 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

CISI Risk in Financial Services...

In the face of the recent constant change in the Financial Services Sector, both from legal and regulatory amendments and from credit and financial shocks in th...

28/05/2024 16:00

15 ώρες (3 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

ACAMS Certified Anti-Money Laundering Specialist (CAMS) Exam Preparati...

The Association of Certified Anti-Money Laundering Specialists (ACAMS) is the largest international membership organization dedicated to enhancing the knowledge...

08/06/2024 09:00

14 ώρες (2 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

CISI - International Introduction to Securities and Investment...

The International Introduction to Securities and Investments offers a broad introduction to the financial services professional sector, with a specific focus on...

11/06/2024 09:00

14 ώρες (4 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

Handling Client Complaints for Investment, Banking and Insurance Busin...

The appropriate handling of complaints marks out financial institutions and firms as being concerned to improve their relationships with their customers and the...

14/06/2024 09:00

5 ώρες (1 ημέρα)

Αγγλικά

Live Online

The Fund Industry: Definitions, Structures, Strategies and Regulations...

Mutual Funds are a very widely used financial tool. Investors, professionals and individuals make use of them in order to benefit from the professional investme...

20/06/2024 09:00

5 ώρες (1 ημέρα)

Αγγλικά

Live Online

MICA Regulation and Crypto-Assets Policy...

The 5th AML Directive was only the first step towards regulating crypto-assets and crypto-activities in terms of anti-money laundering.  The Directive only cove...

20/06/2024 09:00

7 ώρες (2 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

Sanctions Evasion – A Practical Understanding...

With the recent increase of international financial sanctions, new sanctions evasion techniques have come to light. This course will offer a brief refresher ...

25/06/2024 10:00

6 ώρες (2 μέρες)

Αγγλικά

Επιχορηγημένο-ΑνΑΔ

Live Online

Fintech Regulation and Policy...

Financial Technology (in short FinTech) is part of our everyday life both for our professional/business and personal affairs.  Fintech is disrupting and challen...

26/06/2024 09:00

7 ώρες (2 μέρες)

Αγγλικά

Live Online

Certified Blockchain Solution Architect (CBSA) with Exam Voucher...

Description  This course will cover the syllabus of BTA's Certified Blockchain Solution Architect (CBSA) examination.  The Certified Blockchain Solution A...

31/01/2025 15:49

Αγγλικά

eLearning

Treating Customers Fairly and Handling Complaints in the Financial Ser...

Description This course will help you to increase your knowledge in theory and practice about how to treat your customers fairly and in a compliant manner. I...

31/01/2025 15:49

Αγγλικά

eLearning

AML Suspicious Activity Reports and Suspicious Transaction Reports (SA...

This self-paced, online course provides an overview of AML, the measures needed for efficient AML controls, Suspicious Transaction Monitoring, and Suspicious Ac...

31/01/2025 15:49

Αγγλικά

eLearning

Creating a Compliance Culture in Financial Services (2 CPDs)...

Course Overview The aim of this self-paced eLearning course is to equip financial professionals, leaders, and compliance professionals with a comprehensive ...

31/01/2025 15:49

2 ώρες (1 ημέρα)

Αγγλικά

eLearning

AGRC Certificate in AML...

The AGRC’s AML Certificate’s Curriculum AGRC’s AML Certificate covers the following specific topics: – Money laundering methods, techniques, red flags and...

31/01/2025 15:49

Αγγλικά

eLearning

Regulatory Fundamentals for the Financial Services Sector...

Description This course offers a comprehensive review of the major regulations, directives and regimes of financial firms. It includes MiFID II, EMIR, Anti-M...

31/01/2025 15:49

Αγγλικά

eLearning

CISI Global Financial Compliance...

Description Global Financial Compliance will provide you with a broad understanding of the compliance issues that arise within the financial services sector....

31/01/2025 15:49

Αγγλικά

eLearning

CIMA – Financial Strategy (F3)...

This unit explain the different strategic financial objectives and policy options that are open to organisations. Discuss about the types of funds available to ...

31/01/2025 15:49

Αγγλικά

eLearning

CIMA – Fundamentals of Business Economics (BA1)...

This subject primarily covers the economic and operating context of business and how the factors of competition, the behaviour of financial markets and governme...

31/01/2025 15:49

Αγγλικά

eLearning

CIMA - Managing Finance in a Digital World (E1)...

This subject provides a comprehensive overview of managing financial activities in the digital world. With all the entities of the world becoming digitized, you...

31/01/2025 15:49

Αγγλικά

eLearning

CIMA – Fundamentals of Financial Accounting (BA3)...

The main objective of this subject is to obtain a practical understanding of financial accounting and the process behind the preparation of financial statements...

31/01/2025 15:49

Αγγλικά

eLearning

MiFID II Overview...

Description This course offers a brief overview of MiFID II. It addresses the changes to the market structure under MiFID and MiFID II, and provides a sound ...

31/01/2025 15:49

Αγγλικά

eLearning

ICAAP Internal Capital Adequacy Assessment Process...

The challenge with creating an ICAAP is it is more than just a document. In this course we will explain clearly and concisely why it is and should be dynamic pr...

31/01/2025 15:49

Αγγλικά

eLearning

AAT – Credit Management...

The AAT is the UK’s leading Accountancy body offering entry level qualifications. The AAT is open to all, regardless of age or experience there is a place that ...

31/01/2025 15:49

Αγγλικά

eLearning

Financial Instruments and Products...

Description This course offers a condensed review of the financial services sector, with a specific focus on equities, stocks, bonds, derivatives and other f...

31/01/2025 15:49

Αγγλικά

eLearning

CISI Risk in Financial Services...

Description This course offers a comprehensive global introduction to the major risk areas in financial services. It addresses international issues, reflecti...

31/01/2025 15:49

Αγγλικά

eLearning