Orientamenti dell'ABF sul c.d. contratto di wrapping. In particolare: del collegamento col contratto di credito e della possibile applicazione dell'art. 125 quinquies t.u.b.

The aim of this contribution is to provide a critical review of the case law of ABF on wrapping, a trilateral operation whose purpose is to finance the purchase of a car. After having reconstructed the rationale of the discipline of linked contracts in the Testo Unico Bancario, the contribution criticizes ABF’s rulings that recognize a bilateral link between the wrapping contract and the credit contract, and provides that, due to the breach of the wrapping contract, the concrete purpose pursued by the parties with the purchase contract is impossibile to achieve