After August XNUMX, we begin to look at the return and the reform agenda to be taken up again in September. The most important, on a political level, is certainly the one which profoundly revises the role of the Senate, but no less significant, from an economic point of view, is the one on competition. On 3 August, the Finance and Productive Activities commissions of the Chamber acknowledged that amidst the obstructionism of the M5S and divisions, even within the majority, it was preferable to resume the examination of the Competition Bill on 8 September. In the mountain of amendments filed, news have been approved for the motor liability, notaries, mobile phones and energy but the return agenda will address other important chapters: pharmacies, banks, professions and fuels are the ones from which to start again knowing that the chapter of pharmacies will be the biggest obstacle to overcome with the tug of war on the sale of class C drugs in parapharmacies and supermarkets, in special separate corners and with young pharmacists.
The dossier has been followed up entirely, so far, by Undersecretary for Development Simona Vicari to which the minister Federica Guidi has entrusted the task of ferrying the reform to Montecitorio. At the resumption, for engineers and lawyers there are news coming. The establishment of multidisciplinary companies is envisaged, as well as the entry of capital partners for companies of engineers and lawyers. Precisely for lawyers there are amendments that go in the direction of reserving two thirds of the capital for professionals but we will see in September what the drop point will be. For the fuels an in-depth discussion on the distribution network is expected and the government intends to include measures for the entry of the so-called third product into distributors. We are talking about LPG but we also think about the columns of charging for electric cars. Some amendments, among the avalanche of those presented to the bill, could allow the leap in quality for the diffusion of electric mobility. However, it will not be easy to find the balance between the innovative thrust and the resistance of the many lobbies always lurking.
TWO THIRD PARTIES ALREADY APPROVED
Rc car discount for those who use the black box and for virtuous motorists. Notai still at the center of real estate sales but more numerous. Goodbye to the obligation of the registered letter for the withdrawal from telephone contracts. Light and gas freer but subjected to a check before 2018. These are some of the most important innovations approved in the commission in the Chamber as part of the draft law (Ddl) Competition. For banks, engineering companies, the fuel distribution network, lawyers, post offices and pharmacies, the examination - as has been said - will resume on 8 September with the aim of definitively approving the reform by early December.
AUTO TPL, DISCOUNTS FOR THE VIRTUOUS
In the package of measures voted on before the summer break (about twenty articles out of a total of 32) the lion's share is undoubtedly taken by the new rules for motor liability: to get an idea, only in this chapter (14 articles) are about 600 of the total 1.400 amendments rained down. What changes? The "significant" discounts remain (so says the law) that the companies will have to apply to policyholders who will use the black box but IVASS will set the minimum threshold for these premiums. A novelty that provoked a resentful reaction from Ania: "So prices will increase". The companies will be required to advertise the discounts on their sites and the cost of the box will be at their expense. Furthermore, virtuous policyholders who will not have an accident for 5 years and who have in any case paid very high premiums until now, despite their diligence, due to the high rate of claims and fraud in their territory, will benefit from a discount which indexes their premium to the average of the regions with the lowest accident rate. The rule that required the motorist to contact body shops affiliated with the insurance companies to obtain repair of the damage is no longer valid, but the invoice will be needed for reimbursement. For "whiplash" the obligation remains to ascertain the micro-lesion with instrumental diagnostic tests but not for scars for which a doctor's opinion will suffice. The tables for the biological damage and for the moral and non-patrimonial damage are arriving, which the Ministry of Development will issue within 120 days. The moral damage will be established as a percentage of the biological damage determined on the basis of the new tables but this customization cannot exceed the 30% ceiling. Finally, the witnesses will have to materialize within 60 days at the latest; a register of witnesses will contrast the phenomenon of "tradesmen".
MOBILE PHONES
News also for telephones and mobile phones: goodbye to the obligation of registered mail with acknowledgment of receipt in cases of early termination of the contract. First of all, the bill establishes that the manager must specify in advance what the closing costs of the relationship will be. In addition, symmetry is introduced between the conditions for activating and withdrawing from the contract: if you have requested a subscription or top-up via the Internet or by telephone, you can likewise terminate the contract by telephone or via the Internet. Managers will no longer be able to claim the classic registered letter. New for 899 calls, often used for hot lines: you will only pay the cost of the call and not during the wait. Furthermore, the range of possible payments via mobile phone is expanding: it will also become possible to pay for museums and shows with the telephone credit of one's top-up card.
NOTARIES
Skipping the rule which provided that it was possible to go to a lawyer for the sale of non-residential properties (not houses, therefore, but for example garages or shops) of less than 100 thousand euros. The notary will remain a central figure but the notariat will have to accept an increase in the number of notaries: in fact, the ratio goes from one for every 7 inhabitants to 1 for every 5. As long as there are competitions. The liberalization law passed by the Monti government envisaged 3 new entries but no competition (they were envisaged in 2012 and 2013) was made. However, according to the new regulations, the reference base will become the regional territory or that of the Court of Appeal (if several Regions are grouped together) with the possibility for the notary to open a second office within the region to which they belong. The obligation of the notarial deed for the establishment of simplified Srls has been removed: the online procedure will suffice.
ENERGY AREA
The date of 1 January 2018 remains unchanged for the full liberalization of the electricity and gas market. From that day on, all customers will be on the free market, even those who today have their bill prices set by the Energy Authority. However, it was decided to add a check in December 2017: if it is positive, fine; otherwise it will be postponed for six months. The Authority will carry out the checks and will also have to set up a site to allow consumers to verify the offers on the market. Today there is already the "Find offers" on the Internet page of the Authority but the new version will be institutional.
PENSION FUNDS
Rejected the portability of pension funds. However, an amendment presented by the Democratic Party Marco Causi, the new councilor in Rome, provides that within 30 days of the approval of the law a discussion table will be convened with trade unions, employers' associations and experts on the subject to reform pension funds by pushing for aggregations aimed at increase the average level of outstanding amounts and thus reduce costs and risk; revision of the requirements for the exercise of pension funds according to the best international practices, establishment of capital thresholds of minimum relevance according to the managed assets.
