private risk
The private risk, now managers of information systems
Lending SIC are:
Central Financial Risks CRIF SpA (SIC
not mandatory, which is based on the principle of reciprocity);
Experian (consumer credit SIC) ;
Consortium for the Protection of Credit (CTC SIC negative credit information
working in the field of consumer credit and personal loans).
The private risk must comply with the Code of Conduct
December 2004 issued by the Guarantor of Privacy
, signed by the ABI by consumer associations and the Central
risk. Also on
Decree 03/05/1999 was the ICRC established the Central Risk
Content Amount (CRIC), whose management is entrusted
on the Interbank Company for Automation
(SIA), which relates to the detection of risks
credit amount below the minimum threshold surveyed by
risks run by the Central Bank of Italy, but higher than the maximum threshold set for
consumer credit
(exposures between € 31,000 and € 75,000), participation
this service is mandatory for all
subjects reported to the Central Bank of Italy risks.
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