Ma MEP atenga malamulo atsopano kuti ateteze ogula ku ngongole za kirediti kadi ndi kubweza ngongole.
Nyumba yamalamulo idavomereza malamulo atsopano ogula ngongole mu Seputembara 2023, kutsatira a pangano lomwe lidachitika ndi Council mu December 2022.
Ngongole za ogula ndi ngongole zogulira katundu ndi ntchito zogula. Nthawi zambiri amagwiritsidwa ntchito pogulira magalimoto, maulendo komanso katundu wapakhomo ndi zida zamagetsi.
Malamulo a EU omwe alipo
Malamulo omwe alipo a EU - Consumer Credits Directive - akufuna kuteteza anthu aku Europe pomwe akulimbikitsa msika wa ngongole wa ogula ku EU. Malamulowa amakhudza ngongole za ogula kuyambira € 200 mpaka € 75,000 ndipo amafuna kuti obwereketsa apereke chidziwitso chololeza obwereketsa kuti afananize zomwe amapereka ndikupanga zisankho mwanzeru. Ogula ali ndi masiku 14 kuti achoke ku mgwirizano wa ngongole ndipo atha kubweza ngongoleyo msanga, kutero kutsitsa mtengo wake.
Malamulowa adakhazikitsidwa mu 2008 ndipo amayenera kusinthidwa kuti akwaniritse zomwe zikuchitika.
Chifukwa chiyani kusintha kumafunikira
Mavuto azachuma amatanthauza kuti anthu ambiri akufunafuna ngongole, ndi digitaliti yabweretsa osewera atsopano ndi zogulitsa kumsika, kuphatikiza omwe si mabanki, monga mapulogalamu obwereketsa ndalama.
Izi zikutanthauza, mwachitsanzo, kuti ndizosavuta komanso zofala kwambiri kutenga ngongole zazing'ono pa intaneti - koma izi zitha kukhala zodula kapena zosayenera. Zikutanthauzanso kuti njira zatsopano zoululira zidziwitso pa digito ndikuwunika kuyenera kwa ogula pogwiritsa ntchito machitidwe a AI ndi zomwe si zachikhalidwe ziyenera kuyang'aniridwa.
Malamulo apano samateteza ogula omwe ali pachiwopsezo chokhala ndi ngongole zambiri mokwanira. Kuphatikiza apo, malamulowo samalumikizana pakati pa mayiko a EU.
Malamulo atsopano a ngongole ya ogula
Malamulo atsopanowa akunena kuti obwereketsa ayenera kuonetsetsa kuti chidziwitso chokhazikika kwa ogula m'njira yowonekera bwino ndikuwalola kuti aziwona mosavuta zonse zofunika pa chipangizo chilichonse, kuphatikizapo foni yam'manja.
Mamembala a komiti adatsindika kuti malonda a ngongole sayenera kulimbikitsa ogula ngongole kwambiri kuti apeze ngongole ndipo ayenera kukhala ndi uthenga wodziwika bwino woti kubwereka ndalama kumawononga ndalama.
Pofuna kudziwa ngati ngongole ikugwirizana ndi zosowa za munthu ndi njira zake zisanaperekedwe, a MEP amafuna kuti zidziwitso monga zomwe zikuchitika panopa kapena mtengo wa ndalama zogulira zifunikire, koma adati deta ya chikhalidwe cha anthu ndi zaumoyo siziyenera kuganiziridwa.
Malamulo atsopano amafuna:
- Kuwunika koyenera kwa ogula ngongole
- Kapu pa milandu
- Njira yochotsera masiku 14 popanda zoletsa
- Ufulu wobweza msanga
- Chenjezo lomveka bwino pazotsatsa kuti kubwereka kumawononga ndalama
Malamulo atsopanowa akukhudza mapangano a ngongole mpaka € 100,000, dziko lililonse likusankha malire apamwamba malinga ndi momwe akukhalira. Ma MEPs akufuna kuti malo obwereketsa ndalama ndi kuchuluka kwa ngongole, zomwe zikuchulukirachulukira, ziwongoleredwe, koma akuti ziyenera kukhala kumayiko a EU kuti asankhe ngati atsatira malamulo a ngongole ya ogula ku ngongole zina, monga ngongole zazing'ono mpaka € 200, chiwongola dzanja. -ngongole ndi ngongole zaulere ziyenera kubwezeredwa mkati mwa miyezi itatu komanso ndi ndalama zazing'ono.
Bungweli liyeneranso kuvomereza malamulo atsopanowa asanayambe kugwira ntchito.
