{"id":43,"date":"2026-06-12T14:48:04","date_gmt":"2026-06-12T12:48:04","guid":{"rendered":"http:\/\/fidimpresa.com\/testv2\/arbitro-bancario\/"},"modified":"2026-06-12T14:48:04","modified_gmt":"2026-06-12T12:48:04","slug":"arbitro-bancario","status":"publish","type":"page","link":"https:\/\/fidimpresa.com\/testv2\/arbitro-bancario\/","title":{"rendered":"Arbitro Bancario Finanziario"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"43\" class=\"elementor elementor-43\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf01 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf01\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf01_c\" data-id=\"abf01_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf01l elementor-widget elementor-widget-heading\" data-id=\"abf01l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Tutela del cliente<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf01h elementor-widget elementor-widget-heading\" data-id=\"abf01h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Arbitro Bancario Finanziario (ABF)<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf01t elementor-widget elementor-widget-text-editor\" data-id=\"abf01t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&#8217;ABF \u00e8 il sistema alternativo alla giustizia civile per risolvere controversie tra clienti e banche o intermediari finanziari. Una procedura semplice, rapida ed economica \u2014 disponibile anche per i soci Fidimpresa.<\/p>\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf02 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf02\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf02_c\" data-id=\"abf02_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf02l elementor-widget elementor-widget-heading\" data-id=\"abf02l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Cos'\u00e8 l'ABF<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf02h elementor-widget elementor-widget-heading\" data-id=\"abf02h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Un organismo indipendente a tutela dei clienti bancari<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf02t elementor-widget elementor-widget-text-editor\" data-id=\"abf02t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>L&#8217;Arbitro Bancario Finanziario (ABF) \u00e8 un sistema di risoluzione alternativa delle controversie (ADR \u2014 <em>Alternative Dispute Resolution<\/em>) istituito nel 2009 in attuazione dell&#8217;art.&nbsp;128-bis del Testo Unico Bancario, sostenuto dalla Banca d&#8217;Italia.<\/p><p>L&#8217;ABF si articola in <strong>sette Collegi territoriali<\/strong> (Bari, Bologna, Milano, Napoli, Palermo, Roma e Torino), competenti in base al domicilio del cliente. Ogni Collegio \u00e8 composto da cinque membri indipendenti, scelti da Banca d&#8217;Italia e dalle associazioni degli intermediari e dei clienti.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abf02g elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abf02g\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf02g_c0\" data-id=\"abf02g_c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf02g1h elementor-widget elementor-widget-heading\" data-id=\"abf02g1h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u26a1  Rapido<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf02g1t elementor-widget elementor-widget-text-editor\" data-id=\"abf02g1t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La procedura si svolge per via documentale, senza udienze. Tutto si gestisce online tramite il Portale ABF.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf02g_c1\" data-id=\"abf02g_c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf02g2h elementor-widget elementor-widget-heading\" data-id=\"abf02g2h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\ud83d\udcb6  Economico<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf02g2t elementor-widget elementor-widget-text-editor\" data-id=\"abf02g2t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Il costo \u00e8 di soli <strong>\u20ac 20<\/strong>. Non \u00e8 necessaria l&#8217;assistenza di un avvocato.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf02g_c2\" data-id=\"abf02g_c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf02g3h elementor-widget elementor-widget-heading\" data-id=\"abf02g3h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u2696\ufe0f  Imparziale<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf02g3t elementor-widget elementor-widget-text-editor\" data-id=\"abf02g3t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Organismo indipendente: decide sulla base della documentazione, garantendo equit\u00e0 e trasparenza.<\/p>\t\t\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf03 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf03\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-abf03_ca\" data-id=\"abf03_ca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf03l elementor-widget elementor-widget-heading\" data-id=\"abf03l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Fidimpresa e ABF<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf03h elementor-widget elementor-widget-heading\" data-id=\"abf03h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">I Confidi sono soggetti all'ABF<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf03t1 elementor-widget elementor-widget-text-editor\" data-id=\"abf03t1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>I Confidi iscritti nell&#8217;elenco ex art.&nbsp;112, comma&nbsp;1, del TUB \u2014 tra cui Fidimpresa (iscritta all&#8217;OCM n.&nbsp;90) \u2014 sono tenuti ad aderire all&#8217;ABF e a dare esecuzione alle sue decisioni.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf03t2 elementor-widget elementor-widget-text-editor\" data-id=\"abf03t2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>I soci e i clienti di Fidimpresa che abbiano una controversia relativa a operazioni o servizi finanziari possono ricorrere all&#8217;ABF come alternativa al giudice ordinario.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf03note elementor-widget elementor-widget-text-editor\" data-id=\"abf03note\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"background:#edf2fb;border-left:4px solid #2961c8;padding:16px;border-radius:8px\"><strong>\u2139\ufe0f Importante:<\/strong> Prima del ricorso ABF \u00e8 obbligatorio inviare un <strong>reclamo scritto<\/strong> all&#8217;intermediario e attendere 60 giorni (o ricevere risposta ritenuta insoddisfacente).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf03btn elementor-widget elementor-widget-button\" data-id=\"abf03btn\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/contatti\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contattaci per informazioni \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-abf03_cb\" data-id=\"abf03_cb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf03box elementor-widget elementor-widget-html\" data-id=\"abf03box\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"background:#fff;border:1px solid #e5e7eb;border-radius:16px;padding:32px;box-shadow:0 4px 24px rgba(41,97,200,.07)\"><div style=\"font-size:.72rem;font-weight:700;letter-spacing:.08em;color:#2961c8;text-transform:uppercase;margin-bottom:16px\">In sintesi<\/div><ul style=\"list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:14px\"><li style=\"display:flex;align-items:flex-start;gap:12px\"><span style=\"color:#10b981;font-size:1.1rem;flex-shrink:0\">\u2713<\/span><span>Nessun avvocato obbligatorio<\/span><\/li><li style=\"display:flex;align-items:flex-start;gap:12px\"><span style=\"color:#10b981;font-size:1.1rem;flex-shrink:0\">\u2713<\/span><span>Costo: soli \u20ac 20<\/span><\/li><li style=\"display:flex;align-items:flex-start;gap:12px\"><span style=\"color:#10b981;font-size:1.1rem;flex-shrink:0\">\u2713<\/span><span>Procedura interamente online<\/span><\/li><li style=\"display:flex;align-items:flex-start;gap:12px\"><span style=\"color:#10b981;font-size:1.1rem;flex-shrink:0\">\u2713<\/span><span>7 Collegi territoriali in Italia<\/span><\/li><li style=\"display:flex;align-items:flex-start;gap:12px\"><span style=\"color:#10b981;font-size:1.1rem;flex-shrink:0\">\u2713<\/span><span>Limite valore: fino a \u20ac 200.000<\/span><\/li><li style=\"display:flex;align-items:flex-start;gap:12px\"><span style=\"color:#10b981;font-size:1.1rem;flex-shrink:0\">\u2713<\/span><span>Non preclude il ricorso al giudice<\/span><\/li><\/ul><\/div>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf04 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf04\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf04_c\" data-id=\"abf04_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04l elementor-widget elementor-widget-heading\" data-id=\"abf04l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Verifiche preliminari<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04h elementor-widget elementor-widget-heading\" data-id=\"abf04h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quando puoi ricorrere all'ABF<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04t elementor-widget elementor-widget-text-editor\" data-id=\"abf04t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tutte le condizioni seguenti devono essere soddisfatte prima di presentare il ricorso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abf04g elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abf04g\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf04g_c0\" data-id=\"abf04g_c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04n1 elementor-widget elementor-widget-html\" data-id=\"abf04n1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-size:1.4rem;color:#2961c8;font-weight:700;margin-bottom:8px\">01<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g1h elementor-widget elementor-widget-heading\" data-id=\"abf04g1h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L'intermediario aderisce all'ABF<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g1t elementor-widget elementor-widget-text-editor\" data-id=\"abf04g1t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La controversia deve riguardare una banca, un Confidi iscritto all&#8217;OCM, un istituto di pagamento (IMEL) o Poste Italiane per Bancoposta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf04g_c1\" data-id=\"abf04g_c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04n2 elementor-widget elementor-widget-html\" data-id=\"abf04n2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-size:1.4rem;color:#2961c8;font-weight:700;margin-bottom:8px\">02<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g2h elementor-widget elementor-widget-heading\" data-id=\"abf04g2h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Riguarda un servizio bancario o finanziario<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g2t elementor-widget elementor-widget-text-editor\" data-id=\"abf04g2t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Conti correnti, mutui, prestiti, finanziamenti, carte di credito, segnalazioni Centrale dei Rischi, garanzie, cessione del quinto.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf04g_c2\" data-id=\"abf04g_c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04n3 elementor-widget elementor-widget-html\" data-id=\"abf04n3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-size:1.4rem;color:#2961c8;font-weight:700;margin-bottom:8px\">03<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g3h elementor-widget elementor-widget-heading\" data-id=\"abf04g3h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Non \u00e8 troppo vecchia<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g3t elementor-widget elementor-widget-text-editor\" data-id=\"abf04g3t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Non possono essere sottoposte all&#8217;ABF controversie relative a operazioni anteriori al <strong>sesto anno precedente<\/strong> la data del ricorso.<\/p>\t\t\t\t\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<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abf04g2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abf04g2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf04g2_c0\" data-id=\"abf04g2_c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04n4 elementor-widget elementor-widget-html\" data-id=\"abf04n4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-size:1.4rem;color:#2961c8;font-weight:700;margin-bottom:8px\">04<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g4h elementor-widget elementor-widget-heading\" data-id=\"abf04g4h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">L'importo non supera \u20ac 200.000<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g4t elementor-widget elementor-widget-text-editor\" data-id=\"abf04g4t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La somma richiesta non pu\u00f2 superare \u20ac 200.000. Nessun limite se si chiede solo l&#8217;accertamento di un diritto (es. cancellazione ipoteca).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf04g2_c1\" data-id=\"abf04g2_c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04n5 elementor-widget elementor-widget-html\" data-id=\"abf04n5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-size:1.4rem;color:#2961c8;font-weight:700;margin-bottom:8px\">05<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g5h elementor-widget elementor-widget-heading\" data-id=\"abf04g5h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Nessun giudizio parallelo in corso<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g5t elementor-widget elementor-widget-text-editor\" data-id=\"abf04g5t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Non puoi ricorrere all&#8217;ABF se la stessa controversia \u00e8 gi\u00e0 pendente davanti a un giudice, arbitro o organismo di conciliazione.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf04g2_c2\" data-id=\"abf04g2_c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf04n6 elementor-widget elementor-widget-html\" data-id=\"abf04n6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"font-size:1.4rem;color:#2961c8;font-weight:700;margin-bottom:8px\">06<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g6h elementor-widget elementor-widget-heading\" data-id=\"abf04g6h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Hai gi\u00e0 presentato reclamo scritto<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf04g6t elementor-widget elementor-widget-text-editor\" data-id=\"abf04g6t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Devi prima inviare reclamo scritto all&#8217;intermediario. Ricorso consentito se nessuna risposta entro <strong>60 giorni<\/strong> o risposta insoddisfacente, purch\u00e9 non siano trascorsi pi\u00f9 di <strong>12 mesi<\/strong>.<\/p>\t\t\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf05 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf05\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf05_c\" data-id=\"abf05_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf05l elementor-widget elementor-widget-heading\" data-id=\"abf05l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">La procedura<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05h elementor-widget elementor-widget-heading\" data-id=\"abf05h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Come si presenta un ricorso<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05t elementor-widget elementor-widget-text-editor\" data-id=\"abf05t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align:center\">Tutto online tramite il Portale ABF, senza avvocato obbligatorio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abf05g elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abf05g\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-abf05g_c0\" data-id=\"abf05g_c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf05sn1 elementor-widget elementor-widget-html\" data-id=\"abf05sn1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"width:44px;height:44px;border-radius:50%;background:#2961c8;color:#fff;font-weight:700;font-size:1.1rem;display:flex;align-items:center;justify-content:center;margin-bottom:12px\">1<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g1h elementor-widget elementor-widget-heading\" data-id=\"abf05g1h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Invia reclamo scritto<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g1t elementor-widget elementor-widget-text-editor\" data-id=\"abf05g1t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Scrivi un reclamo formale all&#8217;ufficio reclami dell&#8217;intermediario (banca, Confidi, ecc.) e conserva copia e prova di invio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-abf05g_c1\" data-id=\"abf05g_c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf05sn2 elementor-widget elementor-widget-html\" data-id=\"abf05sn2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"width:44px;height:44px;border-radius:50%;background:#2961c8;color:#fff;font-weight:700;font-size:1.1rem;display:flex;align-items:center;justify-content:center;margin-bottom:12px\">2<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g2h elementor-widget elementor-widget-heading\" data-id=\"abf05g2h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Attendi la risposta (60 giorni)<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g2t elementor-widget elementor-widget-text-editor\" data-id=\"abf05g2t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Se l&#8217;intermediario non risponde entro 60 giorni o la risposta \u00e8 insoddisfacente, puoi procedere con il ricorso entro i successivi 12 mesi.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-abf05g_c2\" data-id=\"abf05g_c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf05sn3 elementor-widget elementor-widget-html\" data-id=\"abf05sn3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"width:44px;height:44px;border-radius:50%;background:#2961c8;color:#fff;font-weight:700;font-size:1.1rem;display:flex;align-items:center;justify-content:center;margin-bottom:12px\">3<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g3h elementor-widget elementor-widget-heading\" data-id=\"abf05g3h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Paga il contributo di \u20ac 20<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g3t elementor-widget elementor-widget-text-editor\" data-id=\"abf05g3t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Versa \u20ac 20 a &#8220;Banca d&#8217;Italia \u2013 ABF&#8221; tramite bonifico <strong>IBAN IT71M0100003205000000000904<\/strong>, conto postale n.&nbsp;98025661, o in contanti in Filiale Banca d&#8217;Italia. Indica &#8220;Ricorso ABF&#8221; + codice fiscale.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-abf05g_c3\" data-id=\"abf05g_c3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf05sn4 elementor-widget elementor-widget-html\" data-id=\"abf05sn4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"width:44px;height:44px;border-radius:50%;background:#2961c8;color:#fff;font-weight:700;font-size:1.1rem;display:flex;align-items:center;justify-content:center;margin-bottom:12px\">4<\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g4h elementor-widget elementor-widget-heading\" data-id=\"abf05g4h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Invia il ricorso online<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf05g4t elementor-widget elementor-widget-text-editor\" data-id=\"abf05g4t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Accedi all&#8217;Area Riservata del <a href=\"https:\/\/www.arbitrobancariofinanziario.it\" target=\"_blank\" style=\"color:#2961c8\">Portale ABF<\/a>, segui la procedura guidata e allega la ricevuta del pagamento e tutta la documentazione rilevante.<\/p>\t\t\t\t\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 class=\"elementor-element elementor-element-abf05note elementor-widget elementor-widget-text-editor\" data-id=\"abf05note\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"background:#edf2fb;border-left:4px solid #2961c8;padding:16px;border-radius:8px;margin-top:8px\"><strong>\u23f1 Dopo l&#8217;invio:<\/strong> Monitora periodicamente l&#8217;Area Riservata del Portale per eventuali richieste di documentazione integrativa da parte della Segreteria tecnica.<\/p>\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf06 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf06\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf06_c\" data-id=\"abf06_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf06l elementor-widget elementor-widget-heading\" data-id=\"abf06l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Domande frequenti<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf06h elementor-widget elementor-widget-heading\" data-id=\"abf06h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ sull'Arbitro Bancario Finanziario<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf06sub elementor-widget elementor-widget-text-editor\" data-id=\"abf06sub\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Risposte alle domande pi\u00f9 comuni sull&#8217;ABF nel contesto dei Confidi e delle garanzie bancarie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf06faq elementor-widget elementor-widget-html\" data-id=\"abf06faq\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<style>\n.abf-faq{display:flex;flex-direction:column;gap:0;border:1px solid #e5e7eb;border-radius:14px;overflow:hidden}\n.abf-faq details{border-bottom:1px solid #e5e7eb}\n.abf-faq details:last-child{border-bottom:none}\n.abf-faq summary{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 28px;font-weight:600;font-size:.97rem;color:#111827;cursor:pointer;list-style:none;user-select:none;background:#fff;transition:background .15s}\n.abf-faq summary:hover{background:#f7f8fb}\n.abf-faq summary::-webkit-details-marker{display:none}\n.abf-faq summary::after{content:'+';font-size:1.3rem;font-weight:300;color:#2961c8;flex-shrink:0;transition:transform .2s}\n.abf-faq details[open] summary{background:#edf2fb;color:#1e3a5f}\n.abf-faq details[open] summary::after{transform:rotate(45deg)}\n.abf-faq .faq-body{padding:4px 28px 24px;font-size:.92rem;line-height:1.7;color:#374151;background:#fff}\n.abf-faq .faq-body p{margin:0 0 10px}\n.abf-faq .faq-body p:last-child{margin-bottom:0}\n<\/style>\n<div class=\"abf-faq\">\n\n<details open>\n<summary>Cos'\u00e8 l'ABF e a cosa serve?<\/summary>\n<div class=\"faq-body\">\n<p>L'Arbitro Bancario Finanziario (ABF) \u00e8 un sistema di risoluzione alternativa delle controversie (ADR), alternativo alla giustizia civile, istituito nel 2009 dalla Banca d'Italia in attuazione dell'art. 128-bis del Testo Unico Bancario.<\/p>\n<p>Permette ai clienti di banche e intermediari finanziari (inclusi i Confidi) di risolvere contestazioni relative a operazioni e servizi bancari in modo pi\u00f9 semplice, rapido ed economico rispetto al giudice ordinario.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Fidimpresa \u00e8 soggetta all'ABF?<\/summary>\n<div class=\"faq-body\">\n<p>S\u00ec. I Confidi iscritti nell'elenco ex art. 112, comma 1, del TUB \u2014 tra cui Fidimpresa (OCM n. 90) \u2014 sono obbligati ad aderire all'ABF e a dare esecuzione alle sue decisioni.<\/p>\n<p>I soci e i clienti di Fidimpresa possono quindi ricorrere all'ABF per controversie relative ai servizi e alle operazioni finanziarie gestite dal Confidi.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Chi pu\u00f2 presentare ricorso all'ABF?<\/summary>\n<div class=\"faq-body\">\n<p>Chiunque abbia o abbia avuto rapporti contrattuali con un intermediario (banca, Confidi, istituto di pagamento, ecc.) per servizi bancari e finanziari, compresi i servizi di pagamento.<\/p>\n<p>Le questioni non possono riguardare operazioni anteriori al <strong>sesto anno precedente<\/strong> la data di presentazione del ricorso.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Qual \u00e8 il primo passo obbligatorio prima del ricorso?<\/summary>\n<div class=\"faq-body\">\n<p>\u00c8 obbligatorio presentare un <strong>reclamo scritto<\/strong> all'intermediario. Puoi procedere con il ricorso solo se:<\/p>\n<p>\u2022 l'intermediario non risponde entro <strong>60 giorni<\/strong> dal reclamo (o entro i termini ridotti per specifici servizi, es. 15 giorni lavorativi per i servizi di pagamento), oppure<br>\u2022 hai ricevuto una risposta ritenuta insoddisfacente.<\/p>\n<p>Il ricorso deve essere presentato entro <strong>12 mesi<\/strong> dalla data del reclamo.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Quanto costa presentare un ricorso all'ABF?<\/summary>\n<div class=\"faq-body\">\n<p>Il contributo spese \u00e8 di <strong>\u20ac 20<\/strong>, da versare prima dell'invio del ricorso tramite:<\/p>\n<p>\u2022 Bonifico bancario (IBAN: IT71M0100003205000000000904)<br>\u2022 Conto corrente postale n. 98025661<br>\u2022 In contanti presso le Filiali della Banca d'Italia.<\/p>\n<p>Indicare come causale <strong>\"Ricorso ABF\"<\/strong> e il proprio codice fiscale o Partita IVA. La ricevuta va allegata al ricorso.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Ci sono limiti di importo per il ricorso?<\/summary>\n<div class=\"faq-body\">\n<p>S\u00ec. Con il ricorso \u00e8 possibile chiedere una somma pari o inferiore a <strong>\u20ac 200.000<\/strong>. Per somme superiori l'ABF non \u00e8 competente.<\/p>\n<p>Non ci sono invece limiti di importo se si chiede esclusivamente l'accertamento di un diritto (es. mancata cancellazione di un'ipoteca, mancata consegna di documentazione di trasparenza).<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Le decisioni dell'ABF sono vincolanti?<\/summary>\n<div class=\"faq-body\">\n<p>No, le decisioni dell'ABF non hanno il valore vincolante di una sentenza. Tuttavia, se un intermediario non rispetta la decisione, la notizia viene:<\/p>\n<p>\u2022 pubblicata sul sito dell'ABF per <strong>5 anni<\/strong>;<br>\u2022 esposta in evidenza sulla homepage del sito dell'intermediario per <strong>6 mesi<\/strong>.<\/p>\n<p>In ogni caso sia il cliente che l'intermediario possono sempre rivolgersi al giudice ordinario, indipendentemente dall'esito del ricorso ABF.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Qual \u00e8 la differenza tra ABF e Arbitro per le Controversie Finanziarie (ACF)?<\/summary>\n<div class=\"faq-body\">\n<p>L'<strong>ABF<\/strong> \u00e8 competente per le controversie relative a <em>operazioni e servizi bancari e finanziari<\/em> (mutui, finanziamenti, conti correnti, garanzie, carte di credito, cessione del quinto, ecc.).<\/p>\n<p>L'<strong>ACF<\/strong> \u2014 istituito presso la Consob \u2014 \u00e8 invece competente per le controversie relative a <em>servizi di investimento<\/em> (negoziazione di titoli, gestione di patrimoni, consulenza in materia di investimenti, ecc.).<\/p>\n<p>Se non sei sicuro a quale organismo rivolgerti, contatta i nostri uffici: ti aiuteremo a individuare lo strumento di tutela pi\u00f9 adatto.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Posso essere ascoltato personalmente dall'ABF?<\/summary>\n<div class=\"faq-body\">\n<p>No. La procedura si svolge esclusivamente <strong>in forma scritta e documentale<\/strong>. Non sono previste udienze orali o audizioni personali.<\/p>\n<p>Per questo \u00e8 fondamentale allegare al ricorso tutta la documentazione rilevante (contratti, estratti conto, comunicazioni scritte, risposta al reclamo, ecc.) sin dalla presentazione.<\/p>\n<\/div>\n<\/details>\n\n<details>\n<summary>Cosa succede se la decisione dell'ABF non soddisfa le parti?<\/summary>\n<div class=\"faq-body\">\n<p>Entrambe le parti (cliente e intermediario) rimangono libere di ricorrere a qualsiasi altro strumento di tutela: giudice ordinario, conciliazione o arbitrato.<\/p>\n<p>Il ricorso all'ABF non preclude in alcun modo l'azione giudiziaria successiva.<\/p>\n<\/div>\n<\/details>\n\n<\/div>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf07 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf07\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf07_c\" data-id=\"abf07_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf07l elementor-widget elementor-widget-heading\" data-id=\"abf07l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Risorse ufficiali<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07h elementor-widget elementor-widget-heading\" data-id=\"abf07h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Link utili<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-abf07g elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"abf07g\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf07g_c0\" data-id=\"abf07g_c0\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf07g1h elementor-widget elementor-widget-heading\" data-id=\"abf07g1h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\ud83c\udf10  Sito ufficiale ABF<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07g1t elementor-widget elementor-widget-text-editor\" data-id=\"abf07g1t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Tutte le informazioni, le decisioni dei Collegi e il Portale online per presentare il ricorso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07g1b elementor-widget elementor-widget-html\" data-id=\"abf07g1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<a href=\"https:\/\/www.arbitrobancariofinanziario.it\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-flex;align-items:center;gap:6px;margin-top:4px;padding:8px 18px;background:transparent;color:#2961c8;border:1.5px solid #2961c8;border-radius:8px;font-size:.85rem;font-weight:600;text-decoration:none\">Vai al sito ABF \u2197<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf07g_c1\" data-id=\"abf07g_c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf07g2h elementor-widget elementor-widget-heading\" data-id=\"abf07g2h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\ud83d\udccb  Verifiche preliminari<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07g2t elementor-widget elementor-widget-text-editor\" data-id=\"abf07g2t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Controlla se la tua controversia pu\u00f2 essere sottoposta all&#8217;ABF prima di avviare la procedura di ricorso.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07g2b elementor-widget elementor-widget-html\" data-id=\"abf07g2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<a href=\"https:\/\/www.arbitrobancariofinanziario.it\/presentare-ricorso\/verifiche-preliminari\/\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-flex;align-items:center;gap:6px;margin-top:4px;padding:8px 18px;background:transparent;color:#2961c8;border:1.5px solid #2961c8;border-radius:8px;font-size:.85rem;font-weight:600;text-decoration:none\">Verifica requisiti \u2197<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-abf07g_c2\" data-id=\"abf07g_c2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf07g3h elementor-widget elementor-widget-heading\" data-id=\"abf07g3h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\ud83d\udcc4  Portale ricorsi online<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07g3t elementor-widget elementor-widget-text-editor\" data-id=\"abf07g3t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Accedi all&#8217;Area Riservata del Portale ABF per presentare il ricorso, monitorarne lo stato e ricevere comunicazioni.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf07g3b elementor-widget elementor-widget-html\" data-id=\"abf07g3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<a href=\"https:\/\/www.arbitrobancariofinanziario.it\/presentare-ricorso\/invio-ricorso\/\" target=\"_blank\" rel=\"noopener\" style=\"display:inline-flex;align-items:center;gap:6px;margin-top:4px;padding:8px 18px;background:transparent;color:#2961c8;border:1.5px solid #2961c8;border-radius:8px;font-size:.85rem;font-weight:600;text-decoration:none\">Portale ricorsi \u2197<\/a>\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-abf08 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"abf08\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-abf08_c\" data-id=\"abf08_c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abf08l elementor-widget elementor-widget-heading\" data-id=\"abf08l\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Hai bisogno di supporto?<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf08h elementor-widget elementor-widget-heading\" data-id=\"abf08h\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Fidimpresa ti affianca anche nella tutela dei tuoi diritti<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf08t elementor-widget elementor-widget-text-editor\" data-id=\"abf08t\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align:center;color:rgba(255,255,255,0.8)\">Se hai dubbi su come presentare un reclamo o se la tua situazione rientra nella competenza dell&#8217;ABF, contatta i nostri uffici: ti forniremo un orientamento preliminare gratuito.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abf08btns elementor-widget elementor-widget-html\" data-id=\"abf08btns\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:8px\"><a href=\"\/contatti\/\" style=\"padding:12px 28px;background:#fff;color:#1e3a5f;border-radius:8px;font-weight:600;text-decoration:none;font-size:.95rem\">Contattaci &nbsp;\u2192<\/a><a href=\"https:\/\/www.arbitrobancariofinanziario.it\" target=\"_blank\" rel=\"noopener\" style=\"padding:12px 28px;background:rgba(255,255,255,.12);color:white;border:1.5px solid rgba(255,255,255,.25);border-radius:8px;font-weight:600;text-decoration:none;font-size:.95rem\">Sito ufficiale ABF \u2197<\/a><\/div>\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":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-43","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/pages\/43","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/comments?post=43"}],"version-history":[{"count":0,"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/pages\/43\/revisions"}],"wp:attachment":[{"href":"https:\/\/fidimpresa.com\/testv2\/wp-json\/wp\/v2\/media?parent=43"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}