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{"id":87,"date":"2007-04-16T05:44:44","date_gmt":"2007-04-16T03:44:44","guid":{"rendered":"http:\/\/konsumenter.se\/blogg\/?p=87"},"modified":"2007-04-16T05:44:44","modified_gmt":"2007-04-16T03:44:44","slug":"bankernas-radgivning","status":"publish","type":"post","link":"http:\/\/konsumenter.se\/blogg\/?p=87","title":{"rendered":"Bankernas r\u00e5dgivning"},"content":{"rendered":"<p>Finansinspektionen, FI, har granskat bankernas r\u00e5dgivning. Resultaten sammanfattas i rapporten R\u00e5dgivningen, kunden och lagen. FI sammanfattar:<\/p>\n<blockquote><p>De finansiella f\u00f6retagen tycks i m\u00e5nga fall slarva med att ta in n\u00f6dv\u00e4ndiga uppgifter om kunden f\u00f6r att kunna l\u00e4mna r\u00e5d, som exempelvis information om kundens ekonomiska situation, kunskap och erfarenheter. Flera f\u00f6retag tycks inte dokumentera r\u00e5dgivningen p\u00e5 ett korrekt s\u00e4tt eller uppfylla kravet p\u00e5 att l\u00e4mna ut dokumentation till kunden. FI anser ocks\u00e5 att gr\u00e4nsdragningen mellan r\u00e5dgivning och f\u00f6rs\u00e4ljning i vissa fall \u00e4r otydlig.<\/p><\/blockquote>\n<p>Lagen om finansiell r\u00e5dgivning tr\u00e4dde i kraft 2004. Den inneb\u00e4r bland annat att:<\/p>\n<ul>\n<li>finansiella r\u00e5dgivare m\u00e5ste ha kompetens f\u00f6r sin uppgift<\/li>\n<li>r\u00e5dgivningen ska dokumenteras och l\u00e4mnas till kunden<\/li>\n<li>r\u00e5dgivningen ska anpassas till konsumentens f\u00f6ruts\u00e4ttningar och behov<\/li>\n<li>r\u00e5dgivaren kan bli skadest\u00e5ndsskyldig f\u00f6r v\u00e5rdsl\u00f6s r\u00e5dgivning<\/li>\n<\/ul>\n<p><a href=\"http:\/\/www.fi.se\/upload\/20_Publicerat\/30_Sagt_och_utrett\/10_Rapporter\/2007\/Rapport2007_5.pdf\">L\u00e4s rapporten<\/a> (pdf).<\/p>\n<p>Andra bloggar om: <a href=\"http:\/\/bloggar.se\/om\/Banker\" rel=\"tag\">Banker<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Finansiell+r%E5dgivning\" rel=\"tag\">Finansiell r\u00e5dgivning<\/a>, <a href=\"http:\/\/bloggar.se\/om\/Finansinspektionen\" rel=\"tag\">Finansinspektionen<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finansinspektionen, FI, har granskat bankernas r\u00e5dgivning. Resultaten sammanfattas i rapporten R\u00e5dgivningen, kunden och lagen. FI sammanfattar: De finansiella f\u00f6retagen tycks i m\u00e5nga fall slarva med att ta in n\u00f6dv\u00e4ndiga uppgifter om kunden f\u00f6r att kunna l\u00e4mna r\u00e5d, som exempelvis information om kundens ekonomiska situation, kunskap och erfarenheter. Flera f\u00f6retag tycks inte dokumentera r\u00e5dgivningen p\u00e5 ett [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"_links":{"self":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/87"}],"collection":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=87"}],"version-history":[{"count":0,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=\/wp\/v2\/posts\/87\/revisions"}],"wp:attachment":[{"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=87"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=87"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/konsumenter.se\/blogg\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=87"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}