{"id":2396,"date":"2020-02-12T10:34:01","date_gmt":"2020-02-12T09:34:01","guid":{"rendered":"https:\/\/blogs.dlapiper.com\/advocatus\/?p=2396"},"modified":"2022-02-08T14:17:18","modified_gmt":"2022-02-08T13:17:18","slug":"uj-lehetosegek-fogyasztovedelmi-birsag-garantalt-merseklesere-penzintezetek-szamara","status":"publish","type":"post","link":"https:\/\/blogs.dlapiper.com\/advocatus\/2020\/02\/uj-lehetosegek-fogyasztovedelmi-birsag-garantalt-merseklesere-penzintezetek-szamara\/","title":{"rendered":"\u00daj lehet\u0151s\u00e9gek fogyaszt\u00f3v\u00e9delmi b\u00edrs\u00e1g garant\u00e1lt m\u00e9rs\u00e9kl\u00e9s\u00e9re p\u00e9nzint\u00e9zetek sz\u00e1m\u00e1ra"},"content":{"rendered":"\t\t
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  • Az elm\u00falt h\u00f3napokban tapasztalatai egy\u00e9rtelm\u0171en mutatj\u00e1k, hogy a GVH egyre nagyobb hangs\u00falyt fektet a fogyaszt\u00f3v\u00e9delmi rendelkez\u00e9sek betart\u00e1s\u00e1ra, ami a jogs\u00e9rt\u00e9s meg\u00e1llap\u00edt\u00e1sa eset\u00e9n kiszabott b\u00edrs\u00e1gban is megmutatkozik – p\u00e9ld\u00e1ul<\/strong>, a tavalyi \u00e9v v\u00e9g\u00e9n a Facebook 1,2 milli\u00e1rd Ft-os, a Telenor 1,8, m\u00edg a Vodafone 1,176 milli\u00e1rd Ft-os b\u00edrs\u00e1got kapott.<\/strong><\/li>\n
  • Ennek elker\u00fcl\u00e9s\u00e9re a DLA Piper \u2013 a piaci ig\u00e9nyek ment\u00e9n \u2013 kidolgozott egy, kifejezetten bankokra kifejlesztett el\u0151zetes megfelel\u00e9si programot, amelyet az ehhez kapcsol\u00f3d\u00f3, k\u00fcl\u00f6n erre a c\u00e9lra kifejlesztett, innovat\u00edv eszk\u00f6z\u00f6kkel t\u00e1mogat meg. Az iroda megfelel\u00e9si programja jelent\u0151sen megk\u00f6nny\u00edti az el\u0151\u00edrt szab\u00e1lyoknak megfelel\u0151 elj\u00e1r\u00e1st, valamint, amennyiben a GVH elj\u00e1r\u00e1sra ker\u00fclne sor, a GVH b\u00edrs\u00e1gk\u00f6zlem\u00e9nyben meghat\u00e1rozottaknak megfelel\u0151en ak\u00e1r 100% b\u00edrs\u00e1gcs\u00f6kkent\u00e9s is el\u00e9rhet\u0151.<\/strong><\/li>\n<\/ul>\n

    Az elm\u00falt h\u00f3napokban megjelent Gazdas\u00e1gi Versenyhivatali (GVH) d\u00f6nt\u00e9sek nyom\u00e1n egy\u00e9rtelm\u0171en l\u00e1that\u00f3, hogy a GVH egyre nagyobb hangs\u00falyt fektet a fogyaszt\u00f3v\u00e9delmi rendelkez\u00e9sek betart\u00e1s\u00e1ra, ami a jogs\u00e9rt\u00e9s meg\u00e1llap\u00edt\u00e1sa eset\u00e9n kiszabott b\u00edrs\u00e1gban is megmutatkozik. P\u00e1r p\u00e9ld\u00e1t eml\u00edtve, a Facebook 1,2 milli\u00e1rd Ft-os, a Telenor 1,8, m\u00edg a Vodafone 1,176 milli\u00e1rd Ft-os b\u00edrs\u00e1got kapott a GVH fogyaszt\u00f3v\u00e9delmi elj\u00e1r\u00e1s\u00e1nak eredm\u00e9nyek\u00e9pp a tavalyi \u00e9v v\u00e9g\u00e9n.<\/p>\n

    A GVH folyamatosan ellen\u0151rzi a banki term\u00e9keket, illetve az azokkal kapcsolatos hirdet\u00e9seket fogyaszt\u00f3v\u00e9delmi szempontb\u00f3l, mely v\u00e1rhat\u00f3an a telekommunik\u00e1ci\u00f3s szektorban zajlott elj\u00e1r\u00e1sokhoz hasonl\u00f3an fog t\u00f6rt\u00e9nni. A bankok tekintet\u00e9ben az utolj\u00e1ra kiszabott GVH fogyaszt\u00f3v\u00e9delmi b\u00edrs\u00e1gok t\u00f6bb t\u00edzmilli\u00f3 forintos terhet jelentettek az elj\u00e1r\u00e1s al\u00e1 vont p\u00e9nzint\u00e9zeteknek, ez az \u00f6sszeg azonban ak\u00e1r t\u00f6bbsz\u00f6r\u00f6s\u00e9re is n\u0151het a 2019-es \u00e9v v\u00e9g\u00e9n lez\u00e1rt elj\u00e1r\u00e1sok f\u00e9ny\u00e9ben.<\/p>\n

    Ennek elker\u00fcl\u00e9s\u00e9re a DLA Piper \u2013 a piaci ig\u00e9nyeket el\u0151zetesen felm\u00e9rve \u2013 kidolgozott egy olyan, kifejezetten bankokra kifejlesztett el\u0151zetes megfelel\u00e9si programot, amely lefedi a kereskedelmi kommunik\u00e1ci\u00f3ban haszn\u00e1lhat\u00f3 kifejez\u00e9sek, \u00e1ll\u00edt\u00e1sok meghat\u00e1roz\u00e1s\u00e1t, tov\u00e1bb\u00e1 az oktat\u00e1s sor\u00e1n kit\u00e9r\u00fcnk az egyek kommunik\u00e1ci\u00f3s eszk\u00f6z\u00f6k (pl. banner, vide\u00f3, \u00f3ri\u00e1splak\u00e1t) elv\u00e1rt minimum tartalmi elemeire, illetve, a becsalogat\u00f3 rekl\u00e1m elker\u00fcl\u00e9s\u00e9nek m\u00f3djaira is. Az\u00e9rt fontos, hogy ezeket a ter\u00fcleteket is lefedje a megfelel\u00e9si program, mert egy\u00e9bk\u00e9nt a GVH nem biztos\u00edt b\u00edrs\u00e1gkedvezm\u00e9nyt m\u00e9g a megfelel\u00e9si program el\u0151zetes megl\u00e9te eset\u00e9n sem.<\/p>\n

    A fenti megfelel\u00e9si programhoz tartoznak olyan innovat\u00edv eszk\u00f6z\u00f6k is, melyeket k\u00fcl\u00f6n e c\u00e9lra fejlesztett\u00fcnk ki. Rendelkez\u00fcnk p\u00e9ld\u00e1ul egy kulcsszavas keres\u0151vel, mely a banki szektort illet\u0151en t\u00f6bb mint 300 kulcssz\u00f3t ismer, \u00e9s egy keres\u00e9s sor\u00e1n kilist\u00e1zza az eddigi \u00f6sszes, az adott keres\u0151sz\u00f3hoz kapcsol\u00f3d\u00f3 GVH \u00e1ltal meghozott elvi d\u00f6nt\u00e9st, valamint m\u00e9g a bekezd\u00e9sek pontos sz\u00e1m\u00e1t is megjel\u00f6li. Ez a keres\u0151 mobilalkalmaz\u00e1s keret\u00e9ben is el\u00e9rhet\u0151 lesz, mely m\u00e9g ink\u00e1bb el\u0151seg\u00edti a jogszer\u0171 kereskedelmi gyakorlat kialak\u00edt\u00e1s\u00e1t. A megfelel\u00e9si programunk jelent\u0151sen megk\u00f6nny\u00edti az el\u0151\u00edrt szab\u00e1lyoknak megfelel\u0151 elj\u00e1r\u00e1st, valamint, amennyiben a GVH elj\u00e1r\u00e1sra ker\u00fclne sor, a GVH b\u00edrs\u00e1gk\u00f6zlem\u00e9nyben meghat\u00e1rozottaknak megfelel\u0151en ak\u00e1r 100% b\u00edrs\u00e1gcs\u00f6kkent\u00e9s is el\u00e9rhet\u0151.<\/p>

    Szerz\u0151: S\u00fck\u00f6sd P\u00e9ter<\/i><\/p>\n

    <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

    A GVH egyre nagyobb hangs\u00falyt fektet a fogyaszt\u00f3v\u00e9delmi rendelkez\u00e9sek betart\u00e1s\u00e1ra, ami a jogs\u00e9rt\u00e9s meg\u00e1llap\u00edt\u00e1sa eset\u00e9n kiszabott b\u00edrs\u00e1gban is megmutatkozik. Ennek elker\u00fcl\u00e9s\u00e9re a DLA Piper kidolgozott egy, kifejezetten bankokra kifejlesztett el\u0151zetes megfelel\u00e9si programot, amelyet az ehhez kapcsol\u00f3d\u00f3, k\u00fcl\u00f6n erre a c\u00e9lra kifejlesztett, innovat\u00edv eszk\u00f6z\u00f6kkel t\u00e1mogat meg.<\/p>\n","protected":false},"author":620,"featured_media":2397,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[393],"tags":[510,613,616,614,619,296,617,615,618],"coauthors":[773],"class_list":["post-2396","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-versenyjog","tag-birsag","tag-birsagcsokkentes","tag-birsagkedvezmeny","tag-eljaras","tag-gazdasagi-versenyhivatal","tag-gvh","tag-kulcssszavas-kereso","tag-megfelelesi-program","tag-mobilalkalmazas"],"yoast_head":"\n\u00daj lehet\u0151s\u00e9gek a fogyaszt\u00f3v\u00e9delmi b\u00edrs\u00e1g garant\u00e1lt m\u00e9rs\u00e9kl\u00e9s\u00e9re<\/title>\n<meta name=\"description\" content=\"Az elm\u00falt h\u00f3napok tapasztalatai egy\u00e9rtelm\u0171en mutatj\u00e1k, hogy a GVH nagyobb hangs\u00falyt fektet a fogyaszt\u00f3v\u00e9delmi rendelkez\u00e9sek betart\u00e1s\u00e1ra.\" 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