The benches of the PSD / CDS want to force that all banks begin providing the minimum account services and that the account maintenance fees start to be associated with the provision of a service. Presenting the bill, on Monday in Parliament, the Social Democrat deputy Duarte Pacheco repeatedly called for regulators act on banking and do not just academic reports.
Banks will be required to provide minimum banking services, which includes the opening of an account and a bank card (or book) for future reference and move, with reduced costs. The measure allows “extend to 100% of the population access to these accounts,” said Vera Rodrigues, Member of the CDS.
Another proposal focuses on the account maintenance fees, which become more demanding. “The banks when they put some commission must provide some service”, said the Social Democrat Carlos Silva.
A third measure is the elimination of costs that were charged to a beneficiary of a bad check. The expenditure is to be in charge of those who passed the check. The bill PSD / CDS also provides that banks pass an invoice / receipt on commissions charged. Carlos Silva points out that “the bank was the only sector that bill did not pass.”
In the project presentation press conference, the deputy of the PSD Duarte Pacheco began by saying that he hopes “the regulators – Banco de Portugal, Entity Competition and Securities Market Commission – exercise their powers not from an academic point of view, doing studies, but acting. ” Asked by journalists about these statements, Duarte Pacheco admitted find “situations that offer doubts.” And again let a challenge: “I appeal to the regulators to exercise skills to their limits in defense of those who are most vulnerable”
Despite being presented with the aim of increasing transparency in banking,. the bill did not change on more complex financial products, also sold to branches of financial institutions. The Member of the CDS, Cecilia Meireles, who was also at the press conference, justified the choice with the fact that is still being performed a commission of inquiry on the BES, where there are customers who feel wronged by the investments they have made. “This is a difficult and complex issue to resolve, involves more than one regulator,” he said, while admitting that later legislative changes can be made in this area.
The bill of the PSD / CDS will be discussed as early as next Thursday, together with other PCP and BE initiatives also on bank fees, but that should not be the host of the majority. Duarte Pacheco, also said he had discussed the proposals of the left but to consider what those benches have advocated reflect “interventionist or prohibitionist position, perhaps with a desire to nationalization.”
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