{"id":14438,"date":"2025-01-21T12:43:29","date_gmt":"2025-01-21T10:43:29","guid":{"rendered":"https:\/\/csalb.ro\/?p=14438"},"modified":"2025-01-21T13:48:51","modified_gmt":"2025-01-21T11:48:51","slug":"we-draw-consumers-attention-to-the-serious-misinformation-spread-by-anpc-in-the-public-space","status":"publish","type":"post","link":"https:\/\/csalb.ro\/en\/information\/we-draw-consumers-attention-to-the-serious-misinformation-spread-by-anpc-in-the-public-space\/","title":{"rendered":"We draw consumers\u2019 attention to the serious misinformation spread by ANPC in the public space!"},"content":{"rendered":"

20 January, Bucharest. <\/strong>We alert consumers of financial and banking services that they have been seriously misinformed by ANPC\u2019s latest press release. According to ANPC\u2019s public statement on January 16, 2025, \u201cuntil the situation regarding CSALB\u2019s functionality as an ADR entity is clarified, consumers facing difficulties with financial-banking operators may contact the Alternative Dispute Resolution Directorate (DSAL) within ANPC, by filing a complaint through its special platform.\u201d<\/em><\/p>\n

The Alternative Banking Dispute Resolution Center (CSALB) has warned ANPC about the severity of this misinformation in a letter dated January 17, the contents of which can be read here: <\/p>\n

https:\/\/csalb.ro\/transparenta\/scrisoare-csalb-catre-anpc-17-ianuarie-2025\/<\/a><\/p>\n

 <\/p>\n

We urge consumers to distinguish between complaints they may file with ANPC (which they have always been able to submit) and the alternative dispute resolution process, which is the exclusive responsibility of CSALB for financial and banking disputes between consumers and banks or non-banking financial institutions (NFIs).<\/p>\n

To ensure consumers receive accurate information, we summarize the history of the lawsuit filed by CSALB in 2018 against the Ministry of Economy, which was concluded by the High Court of Cassation and Justice (\u00ceCCJ) ruling on December 10, 2024.<\/p>\n

Although the court\u2019s reasoning in this administrative litigation case has not yet been issued, we believe it is necessary to clarify the situation as a counterbalance to the misinformation and accusations already circulating in the public space: <\/strong><\/p>\n

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  1. CSALB was established under Government Ordinance no. 38\/2015, following the transposition of Directive 2013\/11\/EU of the European Parliament and the Council on alternative consumer dispute resolution into Romanian law.<\/li>\n
  2. The banking system funds CSALB to provide consumers with a free, faster, and expert-managed alternative to court litigation, enabling the resolution of individual banking disputes through specialized financial-banking conciliators. Similar ADR entities can be established in other sectors (based on the same EU Directive) to assist consumers with commercial disputes outside the judicial system.<\/li>\n
  3. Under GO no. 38\/2015, requests for alternative dispute resolution between consumers and financial-banking institutions can only be handled by CSALB, as per the national regulatory framework for financial-banking ADR.<\/li>\n
  4. The method of funding CSALB by the banking sector is explicitly stipulated in Point 46 of the Directive\u2019s explanatory memorandum and has been transposed into GO no. 38\/2015 accordingly.<\/li>\n
  5. To ensure impartiality and fairness, CSALB was designed as an autonomous, non-governmental, non-political, and non-profit legal entity, with a five-member governing body consisting of:\n