The new consumer credit and Directive 2023/2225/EU
Wednesday, November 5, 2025
2:30 PM: Introduction to the proceedings and welcoming remarks
Francesco Capriglione, Luiss
; Mirella Pellegrini, Luiss
Francesco Di Ciommo, Luiss
3:00 PM Session 1 - Fair treatment of the consumer
Introduced and chaired by
Roberto Pardolesi, Luiss
Transparency, information, and consent
Antonio Cilento, Universitas Mercatorum
The new dimension of creditworthiness assessment
Lara Modica, University of Palermo
Debtors in difficulty and forbearance measures
Roberto Natoli, University of Palermo
4:30 PM Session 2 - The Consumer Credit Supply Chain
Introduced and chaired by
Aldo Angelo Dolmetta, Court of Cassation and Catholic University of the Sacred Heart
Distribution and Consulting –
Francesca Bartolini, Link University of Rome
Buy Now Pay Later: Technological Innovation, Payment, and Credit
Paola Giucca, Bank of Italy
“Securitized” consumer credit: outsourced management and risk transfer
Ugo Malvagna, University of Trento
Thursday, November 6
9:00 a.m. Welcome remarks by
Antonio Punzi, Luiss
9:30 a.m. Session 3 - Technological Regulation of Consumer Credit
Introduced and chaired by
Raffaele Lener, Luiss
Personalized offer based on automated data processing
Alberto De Franceschi, University of Ferrara
Rejection of “automated” credit and the right to human intervention
Maddalena Rabitti, IVASS and Roma Tre University
From automated processing to the use of predictive AI systems
Pietro Sirena, Bocconi University
11:00 a.m. Session 4 - CCD2 “in context”
Introduced and chaired by
Andrea Zoppini, Roma Tre University
CCD2 and the Digital Fairness Act
Antonio Davola, University of Bari Aldo Moro
CCD2 and GDPR
Giovanni Comandè, Scuola Superiore Sant'Anna
CCD2, unfair terms, and the Court of Justice
Stefano Pagliantini, University of Florence
12:30 PM Conclusions
Antonella Sciarrone Alibrandi, Constitutional Court and Catholic University of the Sacred Heart