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Table of operations and maximum fees applied to creditors authorized and authenticated by the local police headquarters. 1996 Masone Memorandum (It provides restrictions for collection agencies to practice the activity in their own province. Last year the UE wrote to the Italian Government asking to change this normative because it violated the UE treaty  this violation had been noticed by UNIREC). NEW LAW -UNIREC and a Home Office Committee worked on the complete reform of the sector. Our Parliament is voting the reform. >PPPXP6P 3;A O%    t    2  '                !            6  5   - Legal requirements - New Law< ((6     It distinguishes debt collection agencies from debt collection agents. The debt collection agents can t receive direct commissions and they can work only on behalf of a debt collection agency. The debt collection agents must take an examination with the police-headquarters which authorize them. The territorial provincial limit disappears. ^ZX" Z" ZX - Legal requirements - New Law< ((6     For the first time the debt collection activity is clearly defined, so all the operators involved in the debt collection for third parties shall own a license (today call centers, banks, financial, factoring and leasing societies do not have the permit nevertheless they often carry out debt collection for third parties). In order to work, managers and debt collection agents will have to satisfy some minimum scholastic and professional requirements (high school diploma). A permanent commission will be established as regulatory body and it will be formed by the staff of the State Police, the Privacy Surety as well as the leading Category Associations of the agencies and the tax collectors. bZ" Z" Z" ZjCompanies, different from those anticipated in the previous slides, who actually operate in this market. ,khV     B   N 1. Financial societies listed with the U.I.C. who collect their own credit previously purchased through pro soluto (for the most part banks and financial companies). 2. Factoring societies which manage the credit of clients who carry out the collector credit activity, partly alone (written phase and telephone collection) and partly through agencies (collection phase). 3.Tax collecting societies 4.Broker societies which purchase work and then distribute it to collector credit agencies. Such societies usually have regular permits. D'ZZk         0           !    ,            "          Compartment Survey 2004(V In 2004, in opposition to 26% decrease of collection services, the number of UNIREC entries, with the exception of expulsions and not considering the stricter terms of admittance, registered an increase, though modest, of 2,5%. It s interesting to notice that among UNIREC members companies with share capitals are 12,19% (83% of national total amount) individual firms are 5,7% (1,74% of national total amount)^P-P#PP$P Compartment Survey 2004( This condition is reflected in turnover: UNIREC members turnover 140.064.000,00 in 2002 172.389.000,00 in 2003 Compartment total turnover 206.580.000,00 in 2002 223.620.000,00 in 2003 FP3PP4P+33 Compartment Survey 2004( The national category association collects almost 31% of  full time services, which still express 77% of the whole compartment turnover, this confirming a large representitivity. Diffused in the whole national area, from Palermo to Trieste, UNIREC companies are united by the mutual aim to offer their customers a high professional activity, transparency and honesty.TuPCompartment Survey 2004 Data &$~ Till May 2004, the debt collection agencies which have the ATECO activity code n 74.87.2.P (that is the specific code for  debt collection agencies ) as primary code are 402. In 2003 they were 542. The 402 pointed out companies have at least one employee; otherwise they are organized in formed firms (by persons or by share capitals), in order to exclude tax collectors and commercial brokers, registered in the Chamber of Commerce as agencies (road accidents research agencies are left out, although they work with the same ATECO code of debt collection agencies). ^PPP8PP? Compartment Survey 2004 Data$ If we include in the survey also the commercial inquires agencies which have the ATECO activity code n 74.14.6.P (that is the specific code for  inquires agencies ) as primary code and which have also as secondary activity code n 74.87.2.P, that is the debt collection agencies code (though inactive), the number increases to 742 companies, against 887 in 2003.bP{-P=P s Summary Companies with primary ATECO code 74.87.2.P (only debt collection companies) 542 in 2002 402 in 2003 Companies with secondary ATECO code 74.87.2.P (debt collection and commercial inquires agencies) 887 in 2002 742 in 2003 (Unirec source) OPPcPPPPMb Summary , (P What mostly strikes about the above mentioned facts is that, in opposition to a stable increase of companies that  slip the debt collection in the aim of the firm, really the effective services, that is the specialists, suffered a high decrease for the first time in 30 years, lowering to 26%.*)P' !Debt collection compartment data""( Companies with ATECO code 74.87.2.P primary and active 542 in 2002 402 in 2003 Compartment total turnover 206.580.000,00 in 2002 223.620.000,00 in 2003 (UNIREC source)P8P[PP2PP8\3  !Debt collection compartment data""( Compartment employees (either full or part time) 19.600 in 2002 19.800 in 2003 Yearly worked practices 5.168.000 in 2002 6.897.000 in 2003 (UNIREC source)P2PYPP8PPP4Z8!Debt collection compartment data""( Total amount committed to debt collection companies 5.164.000.000,00 in 2002 6.267.000.000,00 in 2003 Total amount collected 2.066.000.000,00 in 2002 2.547.130.000,00 in 2003 (UNIREC source)P5P:PP7PPP5;8!Debt collection compartment data""( !Debt collection compartment data""( '  0` !2ffm` fff` 999MMM` 33fff` 3f9V=|*3` IIDD!<ff` 3f33>?" dd@,|?" dd@   " @ ` n?" dd@   @@``PP   @ ` ` p>> .&P(  PT `v P "`v~r PB NG,d av ~r PB NG,d a vA ~r PB NG,d `^ u~r PB NG,d `u~r PB NG,d av~r PB NG,d `uH~r  PB NG,d `hu  P H2" J 0$   P@ HDGR "1Y J 0$ 2  P T"3",$@  0 J 0$   P 6@"$8 J 0$ 2 P T@" i,$@ 0 J 0$  P 6"H  J 0$ l _v PS @ABC"_vr P HG, av ,$@  0r P HG, a6 vk ,$@  0r P HG, ` u,$@  0r P HG, av!,$@  0r P HG, `>ur,$@  0r P HG, `u,$@  0 P  0e0e  ?@ABCDEF@5%8c8c?@A)BCD|E?|| @`bv P  0e0e  ?@ABCDEF@5%8c8c?@A)BCD|E?||@`_( P < "[  m9Fare clic per modificare lo stile del titolo dello schema: :G P 0 "  uFare clic per modificare gli stili del testo dello schema Secondo livello Terzo livello Quarto livello Quinto livello: v P 0ت "`  `*0 P 0 "`   b*0 P 0@ "`G  b*0H P 0޽h ? !2ffm  ___PPT10 +˟ D ' ޕ= @B D ' = @BA?%,( < +O%,( < +D ' =%(%(Dg' =%(D' =A@BBBB0B%(E<' =1B B`BPB1:Bhidden*3>+B#style.visibility= `B<* P%(D' =1:Bvisible*o3>+B#style.visibility<* P%(D' =+4 8?\CB#ppt_xBCB#ppt_xB*Y3>B ppt_x<* PD' =+4 8?dCB1+#ppt_h/2BCB#ppt_yB*Y3>B ppt_y<* PD#' =%(D' =A@BBBB0B%(D' =1:Bvisible*o3>+B#style.visibility<*P%(D' =+4 8?dCB0-#ppt_w/2BCB#ppt_xB*Y3>B ppt_x<*PD' =+4 8?\CB#ppt_yBCB#ppt_yB*Y3>B ppt_y<*P+p+0+ P0 ++0+P0 + Alta tensione=%  0 @ T(  T2T  T "` T 0 f T 6d K T `v T "`v~r TB NG,d av ~r TB NG,d a vA ~r TB NG,d `^ u~r  TB NG,d `u~r  TB NG,d av~r  TB NG,d `uH~r  TB NG,d `hu  T Hp@2" J 0$  T@ H@GR "YP J 0$ 2 T T@"P,$@  0 J 0$  T 6D@"$ J 0$ 2 T T @"zP,$@ 0 J 0$  T 6h$@"1C J 0$ l _v TS @ABC"_vr T HG, av ,$@  0r T HG, a6 vk ,$@  0r T HG, ` u,$@  0r T HG, av!,$@  0r T HG, `>ur,$@  0r T HG, `u,$@  0 T  0e0e  ?@ABCDEF@5%8c8c?@A)BCD|E?|| @`bv T  0e0e  ?@ABCDEF@5%8c8c?@A)BCD|E?||@`_( T <P)@ " @ m9Fare clic per modificare lo stile del titolo dello schema: : T 0T,@ "  @ r>Fare clic per modificare lo stile del sottotitolo dello schema? ? 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