of November 28, 2019 No. 141
About approval of the Regulations on information support of clients of rather banking and other financial services by banks
According to Articles 7, 15 and 56 Laws of Ukraine "About the National Bank of Ukraine", to Articles 54, 55 and parts two of article 56 of the Law of Ukraine "About banks and banking activity", for the purpose of informing clients by banks - physical persons of rather banking and other financial services Board of the National Bank of Ukraine DECIDES:
2. No. 62 is excluded according to the Resolution of Board of the National Bank of Ukraine of 14.05.2020
3. To management of consumer protection of financial services (Olga Lobaychuk) after official publication to inform banks information on adoption of this resolution.
4. To impose control over the implementation of this resolution on the Chairman of the National Bank of Ukraine Yakov Smoliya.
Approved by the Resolution of Board of the National Bank of Ukraine of November 28, 2019 No. 141
1. This Provision is developed according to requirements of the Laws of Ukraine "About banks and banking activity", "About the National Bank of Ukraine", "About consumer crediting", "About advertizing", "About financial services and state regulation of the markets of financial services".
2. This Provision determines requirements for banks of rather information support of clients - physical persons (further - informing the client) about conditions and procedure for provision by banks of banking and other financial services which state regulation of the market is performed by the National Bank of Ukraine (further - banking service), by placement of information on banking services on all own websites of bank (further - own website of bank), advertizing distribution, and also informing during use of banking services.
Requirements of this provision do not extend to informing clients - subjects of business activity, persons who carry out independent professional activity, and legal entities.
3. The terms used in this Provision are used in such values:
1) informing the client - informing the client by bank on conditions and procedure for provision by bank of banking services (including packet of banking services), and also provision of other information determined by this Provision and internal documents of bank by placement of such information on own website of bank, advertizing distribution, and also provision of information during use of banking services;
2) the essential characteristic of banking service - the data and/or data on banking service determined by this Provision, internal documents of bank and essential terms of the contract about provision of banking service;
3) the calculator - the tool which is posted on own website of bank for calculation of costs or the income from banking service taking into account the conditions of this banking service chosen by the client;
4) the client - physical person which addresses to bank behind acquisition of banking service or using it;
5) incomplete information on activities of bank in the sphere of banking services - insufficient information on activities of bank on amount or completeness in the sphere of banking services which, on professional judgments of the National Bank of Ukraine, enters or can mislead the client concerning decision making about acquisition of banking service;
6) false information about activities of bank in the sphere of banking services - information which is not true [contains data or specifies events (facts) which did not exist in general or which existed, but the information about them is not true], the incomplete or distorted information;
7) packet of banking services - set of the banking services provided by bank according to terms of the contract (offer) about provision of banking services;
8) misstatement of information on activities of bank in the sphere of banking services - exaggeration or underestimation of information on activities of bank in the sphere of banking services which, on professional judgments of the National Bank of Ukraine, enters or can mislead the client concerning decision making about acquisition of banking service;
9) distribution of false information about activities of bank in the sphere of banking services - placement is direct bank or to order bank on own website of bank and/or in advertizing of information which is false;
10) professional judgment of the National Bank of Ukraine - the conclusion and/or assessment of the National Bank of Ukraine of the facts, events, circumstances, faces based on knowledge and experience of the National Bank of Ukraine in the sphere of bank regulation and supervision, practical application of provisions of the legislation of Ukraine, and also on the complex and comprehensive analysis:
information and documents on provision of the banking services posted on own website of bank;
information concerning provision of banking services by distribution of advertizing in any form and in any manner;
the internal documents of bank determining procedure for informing clients;
information and documents which are available for the National Bank of Ukraine including received as a result of implementation of banking supervision by it;
Disclaimer! This text was translated by AI translator and is not a valid juridical document. No warranty. No claim. More info
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