Rivista del Diritto Commerciale e del diritto generale delle Obbligazioni

Abstract: ABI models of omnibus guarantees between antitrust law and contract law – The paper analyzes the issue of partial nullity of omnibus guarantees found in ABI models, a matter that has led to the formation of distinct orientations on the subject and the production of a substantial jurisprudential dispute on the validity of bank guarantees reproducing anti-competitive clauses. The analysis focuses on antitrust regulations, analyzes consumer issues, as well as offers an examination of the prevailing doctrinal and jurisprudential reconstructions that have marked the precedents of the Courts of merit and legitimacy and prompted the United Sections of the Supreme Court of Cassation to intervene on December 30th 2021, to bring clarity and conclude the debate on the validity, or otherwise, of such guarantees.  

Sommario: 1. Premessa. – 2. Il problema delle fideiussioni omnibus conformi al modello ABI “Condizioni generali di contratto per fideiussioni bancarie”. – 3. Contratti bancari e la tutela del consumatore. – 3.1. Lo status di consumatore (finanziario): una comparazione tra ordinamenti di civil law. – 4. Il modello ABI, presupposto per un confronto giurisprudenziale. – 5. Le argomentazioni della dottrina sui rimedi in favore del consumatore finanziario. – 6. (segue) … sulla natura giuridica della fideiussione omnibus. – 7. L’attesa pronuncia delle Sezioni Unite: riflessioni su Cass., Sez. Un., 30 dicembre 2021 n. 41994.

Keywords: personal guarantees — anti-competitive clauses — antitrust violation.