Consumers

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Consumers

The Association has launched a number of initiatives to foster transparency and clarity for consumers:

Monitorata

Assofin offers members of the public a free, easy-to-use tool that provides transparent and reliable information to help them assess their financial situation before taking out a loan.
This is a particularly valuable service for families in economically and socially challenging times like the present. Monitorata was initially an Assofin-sponsored project developed in the Banking and Finance Doctoral Programme at Rome’s Tor Vergata University and has now become the first non-commercial tool that provides the information necessary for people to understand, monitor and evaluate their creditworthiness through a financial profile self-assessment, helping them understand whether the loan installments they are considering are suitable for their financial situation.
As such, it's a tool that helps consumers see lending as a resource and not an uncertainty.

Visit the Monitorata website (Italian only)

What should you do when you're in troubles?

If you've lost your job or are experiencing financial difficulties and are unable to pay one or more installments of a loan, the first thing you should do is contact your lender.
Together you will be able to find a solution to your problem.

Assofin code of conduct

Assofin has established a code of conduct based on the principles of transparency and clarity for consumers. The Members are bound to the code; thus Assofin membership is consequently seen as a strong quality commitment.

Read our Code of Ethical Conduct (Italian only)

Alla pari

This initiative aims to foster equal relationships between lenders and borrowers. Members of the Association participating in the initiative submit their advertising campaigns to the Pre Approval Committee of the Italian advertising industry's self-regulation body, "Istituto dell’Autodisciplina Pubblicitaria". Only campaigns that obtain its approval can use the “Alla Pari” (Equality) mark which thus highlights the operators' commitment to transparency.

Visit the Alla Pari website (Italian only)

"Debtor assistance agencies". Assofin involvement

The proposal in the original draft of Italy's Development Decree to allow private bodies to establish debtor assistance agencies is dangerous and ill-judged. Assofin has therefore launched an initiative in conjunction with a number of consumer organizations to oppose the idea. Further information is available in this document (Italian only).

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