Banking Contracts: the concept of transparency and its evolution.

Chiara Sartoris


The essay examines the evolution of the concept of transparency in banking contracts by-means of the analysis of the Italian and European laws and case-law. Today bank's duty of transparency does not mean conveying huge amount of information to customers; it rather means providing a quality information. Transparency indeed should be designed in a substantial way. This new approach implies further tasks for banks. Compliance to transparency rules implies either the organization of effective consulting services to customers or the development of contract design practices. These purposes require an effort to enhance customers' banking and financial education, so as they can actively cooperate with banks to design transparent contracts.


banking contracts; transparency; counseling service; contract design; duty of information; banking education; financial education;

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