| Nota di contenuto |
Intro -- Foreword -- Preface -- AIDA Europe -- Contents -- Abbreviations -- Part I: Transparency in European Jurisdictions -- Transparency in Insurance Intermediation and Regulation in Austria -- 1 Introduction -- 2 Transparency in Insurance Intermediation -- 2.1 Legal Sources and System of the Insurance Intermediation in Austria -- 2.2 Disclosure Duties of the Insurance Intermediary Against the Policyholder -- 2.3 Information Duties of the Insurance Intermediary Against the Policyholder -- 2.4 Penalties in Case of Non-fulfilment -- 3 Transparency in Austrian Insurance Supervision Law -- 3.1 The Old Regime -- 3.2 Turning Point Solvency II -- 3.3 The Current Regime from an Austrian Perspective -- 3.3.1 Transparency in the Ratio of Insurance Supervision and Insurance Undertakings -- 3.3.1.1 Periodic Reporting Duties of the Insurance Undertakings -- 3.3.1.2 Situation-Related Information and Notification Duties of the Insurance Undertaking and Third Parties -- 3.3.2 Transparency in the Ratio of Insurance Undertakings to the Policyholders -- References -- Transparency in Insurance Regulation and Supervisory Law of Croatia -- 1 Transparency in Insurance Mediation and Insurance Representation in Croatian Law -- 1.1 Insurance Broker´s Obligations to the Client (the Insured) -- 1.1.1 Broker´s Duty to Inform the Client (Insured) -- 1.1.1.1 Broker´s Precontractual Information Duty -- 1.1.1.2 Giving Advice and Standards for Providing Information -- 1.1.1.3 Terms and Form of Information Provision -- 1.1.2 Duty to Make the Risk Analysis and to Provide an Appropriate Form of Risk Cover -- 1.1.3 Broker´s Duty to Counsel the Client (the Insured) and to Give Recommendations Regarding the Choice of the Insurer -- 1.1.4 Duty to Provide Assistance When Concluding the Contract -- 1.1.5 Protection of Personal Data and Business Secrets.
1.2 Insurance Broker´s Obligations to the Insurer -- 1.2.1 Duty to Inform the Insurer About Seeking an Insurance Offer -- 1.2.2 Duty to Protect the Insurer´s Interest -- 1.2.3 Other Duties of the Insurance Broker -- 1.3 Insurance Agent´s Obligations -- 1.3.1 Duty to Inform the Policyholder -- 1.3.2 Duty to Inform the Insurer -- 1.3.3 Duty to Look After the Interests of the Insurer -- 1.4 Insurer´s Duties to Inform the Insurance Agent -- 1.5 Legal Consequences of the Breach of Insurance Broker´s or Agent´s Duties -- 2 Transparency of Intermediaries/Insurance Undertakings in Croatia -- 2.1 Reporting Duties of Intermediaries/Insurance Undertakings in Croatia -- 2.1.1 Regular Reporting Duties of Insurance Undertakings Toward HANFA -- 2.1.2 Reporting Duties of Insurance Undertakings at the Request of HANFA -- 2.1.3 Limitation of Reporting Duties of Insurance Undertakings -- 2.1.4 Public Disclosure of the Report on Solvency and Financial Condition of the Insurance Undertaking -- 3 Supervision of Intermediaries/Undertakings in Croatia -- 3.1 Supervised Entities -- 3.2 Providing the Information for the Purposes of Supervision -- 3.3 Supervisory Measures of HANFA -- 3.4 Disclosure of General Information on Supervision by HANFA -- 4 Conclusion -- References -- Legal Sources -- Transparency in Insurance Regulation and Supervisory Law of Cyprus -- 1 Overview of the Insurance Regulatory Regime and Scope of Research -- 2 Supervisory Authority -- 2.1 Competent Authority -- 2.2 General Transparency Principles -- 2.3 Objectives and Scope -- 2.4 General Competencies -- 2.5 An Alternative Model? -- 3 Transparency Duties of Insurance and Reinsurance Undertakings -- 3.1 Reports -- 3.1.1 Solvency and Financial Condition Reports -- 3.1.2 Regular Supervisory Reporting -- 3.2 Governance -- 3.3 Changes in Qualifying Holdings -- 3.4 Duties of Groups.
3.5 Audited Financial Statements -- 3.6 Exercise of Regulatory Options for Specific Insurance Branches -- 4 Transparency Duties of Insurance Distributors -- 4.1 Registration -- 4.1.1 Registers -- 4.1.2 Registration Requirements -- 4.2 Information Duties and Conduct of Business -- 4.3 Other Duties -- 4.4 Code of Conduct -- 5 Transparency Duties Under the AML Regime -- 5.1 Scope -- 5.2 Customer Due Diligence -- 5.3 Beneficial Ownership -- 6 Transparency of Enforcement -- 6.1 Investigatory Powers -- 6.2 Administrative Sanctions -- 6.2.1 Violations and Procedure -- 6.2.2 Remedies Against the Superintendent´s Decision -- 6.2.3 Concurrent Competence and Interaction with Potential Violations of Other Instruments -- 6.3 Criminal Sanctions -- 6.4 Interaction Between Administrative and Criminal Sanctions -- 6.4.1 Right to a Fair Trial -- 6.4.1.1 Doctrinal Submissions and Case Law -- 6.4.1.2 Discussion -- 6.4.2 Ne bis in Idem -- 6.4.2.1 Requirements of the Principle -- 6.4.2.2 Exceptions -- 6.4.2.3 Discussion -- 7 Transparency in Alternative Dispute Resolution -- 7.1 Complaint Handling by Undertakings and Intermediaries -- 7.2 Mediation by the Financial Ombudsman -- 8 Conclusion -- References -- Transparency in Insurance Regulation and Supervisory Law of England -- 1 Introduction -- 1.1 The Notion of Transparency in Insurance Regulation -- 1.2 The Need for Transparency -- 1.2.1 The Legal Framework -- 1.2.2 The FSA/FCA Rules -- 2 Transparency of Intermediaries/Undertakings -- 3 The Insurance Supervision Regime in England and Its Approach Towards Transparency in Insurance Regulation -- 3.1 The Old Regime (FSA) and the Move to the New Regime (FCA, PRA) -- 3.2 Progress and Market Response -- 4 Conclusions -- References -- Transparency in Insurance Regulation and Supervisory Law of France -- 1 Introduction -- 2 Legal Framework of French Insurance Supervisory Law.
3 Transparency of the Insurers -- 3.1 Duties to Report to the Supervisory Authority -- 3.1.1 General Provisions on Duties to Report -- 3.1.2 Additional Reporting Obligations -- 3.1.3 Exceptions to the Duty to Report to the Supervisory Authority -- 3.1.4 The Reporting Obligation of the Statutory Auditor -- 3.1.5 Report on Own-Risk and Solvency Assessment (ORSA) -- 3.2 Duty to Disclose to the Public -- 3.2.1 Solvency and Financial Condition Report (SFCR) -- 3.2.2 Exceptions to the Disclosure of SFCR -- 3.2.3 Additional Voluntary Disclosure and Updates -- 4 Transparency of the Supervisory Authority -- 4.1 Transparency Towards the Public -- 4.1.1 Publication of Insurers´ Registration -- 4.1.2 Publication of Decisions -- 4.1.3 Other Publications on the Functioning of the Supervisory Authority and the Market -- 4.1.4 Disclosure and Confidentiality -- 4.2 Report to European Bodies and Other Authorities -- 4.2.1 Reporting to and Communication with EIOPA, European Bodies and National Supervisory Authorities -- 4.2.2 Communication with and Duty to Report to Other National Administrative Bodies -- 5 Transparency of Insurance Distributors -- 5.1 Overview -- 5.2 Product Oversight and Governance -- 5.3 Duty to Disclose Remuneration -- 5.4 Conflicts of Interests -- 5.5 Duty to Inform -- 5.6 Transparency Role of Supervisory Authorities -- 5.6.1 Mandatory Registration of (Re)insurance Distributors -- 5.6.2 Naming and Shaming Applied to Insurance Distributors -- 6 Conclusion -- References -- Transparency in Insurance Regulation and Supervisory Law of Germany -- 1 Introduction -- 2 German Insurance Supervisory Law: the Outset -- 3 Scope of Research -- 4 Stipulations on Transparency of the Insurers -- 4.1 Duties to Report to the Supervisory Authority -- 4.1.1 General Duty to Report, Section 43 VAG -- 4.1.2 Statutory Audits, Sections 35 to 39 VAG.
4.1.3 Information for Supervisory Purposes, Sections 44 to 47 VAG -- 4.1.4 Report on Own-Risk and Solvency Assessment (ORSA), Section 27 VAG -- 4.1.5 Additional Supervisory Reporting, Sections 305 and 306 VAG -- 4.2 Public Disclosure -- 4.2.1 Solvency and Financial Condition Report (SFCR), Section 40 VAG -- 4.2.2 Exceptional Non-disclosure, Section 41 VAG -- 4.2.3 Updates and Additional Voluntary Information, Section 42 VAG -- 4.2.4 Additional Reporting Duties in the German Commercial Code (HGB) -- 4.3 Naming and Shaming -- 4.3.1 Outline of Section 319 VAG -- 4.3.2 Interpretation of Section 319 VAG -- 4.3.3 Controversies -- 5 Stipulations on Transparency of the Supervisory Authority Towards the Public -- 5.1 Blanket Clause on Notifications by the Supervisory Authority -- 5.2 Publishing of Complaint Statistics by the Supervisory Authority -- 5.3 Protection of Confidential Information -- 5.4 Predictability of Measures of the Supervisory Authority -- 5.5 Reporting as a Self-reinforcing Tendency -- 6 The Role of EIOPA When Pursuing Transparency -- 7 Transparency of Insurance Distribution -- 7.1 Overview -- 7.2 Product Oversight and Governance (POG) -- 7.3 Naming and Shaming Regarding the Distribution -- 7.4 Prohibition to Pass on Commissions to Policyholders, Section 48b VAG -- 8 Conclusion on Transparency in German Insurance Supervisory Law -- References -- Transparency in Insurance Regulation and Supervisory Law of Italy -- 1 Introduction -- 2 The Evolving Meaning of Transparency in Insurance Supervision -- 3 General Duties to Report to the Supervisory Authority -- 4 Information Requirements and Supervisory Review Process -- 5 The Supervisory Review Process and Capital Add-on -- 6 Report on Solvency and Financial Condition (SFCR) -- 7 External Audit on the SFCR -- 8 Exceptional Non-disclosure, Updates and Additional Voluntary Information.
9 The Transparency as a General Principle for Distributors.
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Assicurazioni e appalti : etica, legalità, responsabilità / / a cura di Diana Cerini
