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ICCJ_213616 AI generated

Limits on heirs' access to decedent's bank records under bank secrecy: justification of purpose required

Case Number ICCJ_213616
Court / Authority
Jurisdiction Romania (RO)
Decision Date
Outcome Allowed / Granted
Open official source Machine-readable Markdown (.md)

Legislator summary

AI generated

The High Court of Cassation and Justice admitted the appeal in the interest of the law filed by the Presiding Council of the Court of Appeal of Galati, establishing a binding interpretation for uniform application across the jurisdiction. The dispute concerned the conflict between the statutory bank secrecy provisions and the rights of legal heirs to access information regarding a decedent's bank accounts. The Court ruled that heirs may only obtain protected banking information for the pre-death period if they justify the specific purpose for which they claim such data. This decision is based on the interpretation of Article 113(2)(a) of Emergency Government Ordinance No. 99/2006, regarding credit institutions and capital adequacy, and is mandatory pursuant to Article 517(4) of the Code of Civil Procedure.

Legislator headnote

AI generated

art. 517 alin. (4) din Codul de procedură civilă; Limits on heirs' access to decedent's bank records under bank secrecy: justification of purpose required: The dispute concerned the conflict between the statutory bank secrecy provisions and the rights of legal heirs to access information regarding a decedent's bank accounts. The Court ruled that heirs may only obtain protected banking information for the pre-death period if they justify the specific purpose for which they claim such data. This decision is based on the interpretation of Article 113(2)(a) of Emergency Government Ordinance No. 99/2006, regarding credit institutions and capital adequacy, and is mandatory pursuant to Article 517(4) of the Code of Civil Procedure.

Keywords

AI generated
heir's right to information banking secrecy bank account information obligation to obtain access to information statutory limits

Cited Legislation

AI generated
art. 517 alin. (4) din Codul de procedură civilă
Procedural provision cited to establish the mandatory binding force of the decision in the appeal in the interest of the law.
AI generated
ICCJ_213734
Scope of heirs' right to access pre-death bank account records protected by bank secrecy
Decizia nr. 503/2009
Compulsory disclosure of banking customer data by tax authorities: statutory limits on banking secrecy under the Special Banks Law and Fiscal Procedure Code
Decizia nr. 2929/2007
Access to financial records: Duty of central finance authority to conduct independent database search versus reliance on local treasuries' negative confirmations.
Decizia nr. 1364/2011
Appeal dismissed: Bank's refusal to provide archived succession documents justified by objective unavailability of records
Decizia nr. 3319/2021
Asset control procedure: Admissibility of unwritten loan contracts from relatives as justification for unexplained wealth accumulation

Key legal questions extracted by Legislator

AI generated
art. 113 alin. (2) lit. a) din Ordonanţa de urgenţă a Guvernului nr. 99/2006

Substantive provision interpreted to establish the conditions under which heirs may access bank secret information following the death of the account holder.

art. 517 alin. (4) din Codul de procedură civilă

Procedural provision cited to establish the mandatory binding force of the decision in the appeal in the interest of the law.

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Full text

ROMÂNIA

ÎNALTA CURTE DE CASAŢIE ŞI JUSTIŢIE

Completul pentru soluționarea recursului în interesul legii

Minuta deciziei nr. 9 Dosar nr. 679/1/2024

Şedinţa din 20 mai 2024

ÎN NUMELE LEGII

DECIDE:

Admite recursul în interesul legii promovat de Colegiul de conducere al Curţii de Apel Galaţi şi în consecinţă:

În interpretarea şi aplicarea unitară a dispoziţiilor art. 113 alin. (2) lit. a) din Ordonanţa de urgenţă a Guvernului nr. 99/2006 privind instituţiile de credit şi adecvarea capitalului, aprobată cu modificări şi completări prin Legea nr. 227/2007, cu modificările şi completările ulterioare, stabileşte că:

Moştenitorii titularului de cont decedat au dreptul să obţină furnizarea, de către instituţiile bancare, a informaţiilor protejate de secretul bancar, pentru perioada anterioară decesului, numai în măsura în care justifică scopul pentru care le pretind.

Obligatorie, potrivit dispozițiilor art. 517 alin. (4) din Codul de procedură civilă.

Pronunțată în ședință publică astăzi, 20 mai 2024.