The reforms implemented or being adopted must be supported not only by technical and standard rules defined by National Regulation and Supervision Authorities but also by good practices on the market’s impulse, based on selfregulation regimes, in order to allow each bank to identify appropriate Unlikely to Pay management methods. It is therefore necessary to establish common procedures that can make the banks’ position authoritative both in the management and in the UtP sale, also through the establishment of a common technological platform.
