L’individuazione dell’elemento soggettivo nel reato di usura bancaria

di Carlo CAVALLO
Avvocato in Torino


Articolo comparso sulla rivista BancaFinanza 150123-banca_finanza

Se le disposizioni penali in materia di usura non sono state verosimilmente ipotizzate dal legislatore nel 1930 per essere applicate specificamente agli istituti di credito, la riforma del 1996 e in seguito la realtà giudiziaria hanno sottolineato con particolare evidenza che il sistema bancario viene ritenuto non estraneo alle condotte criminali disciplinate dall’art. 644 c.p.

In effetti, in tempi recenti, anche per evidenti ragioni di natura macroeconomica il contenzioso con gli istituti di credito in tema di ipotizzata usura è progressivamente migrato della aule civili a quelle penali.

Se l’incremento in termini puramente statistici delle denunce è un dato inequivoco, non semplice può essere una valutazione di sintesi sulla fondatezza delle stesse e sugli esiti dei procedimenti che da tali denunce hanno tratto origine.  In questo senso le indicazioni giurisprudenziali, specie della S.C., danno atto di un quadro generale espressivo di un forte scollamento tra la concreta ravvisabilità dell’elemento oggettivo e di quello soggettivo del reato di usura.

Di fatto, molti procedimenti si sono conclusi con richieste di archiviazione e con sentenza di assoluzione fondate sulla carenza dell’elemento soggettivo del reato.

La Suprema Corte, con la sentenza n. 20148/2010 ha valutato come immune da vizi logico-giuridici la motivazione con cui il giudice di merito aveva escluso l’elemento psicologico del reato di usura contestato a rappresentanti di un istituto bancario  sulla base della valutazione congiunta delle seguenti circostanze, offrendo all’interprete una serie di criteri funzionali alla verifica della sussistenza dell’elemento soggettivo:

−      minima entità dei superamenti del tasso soglia rispetto alle cifre movimentate nei conti;

−      episodicità dei superamenti della soglia nel corso di rapporti bancari lunghi ;

−      controprova degli esiti dei diversi criteri di calcolo

−      contraddittorietà della normativa secondaria di settore

Nella menzionata decisione la S.C. da conto di incertezze  applicative derivate:

−      dal contenuto delle istruzioni di vigilanza di Banca d’Italia in vigore fino al IV trimestre 2009, secondo cui la CMS non rientrava nel calcolo del TEG;

−      dai decreti ministeriali che, recependo la metodologia di calcolo del TEG applicata da Banca d’Italia – fin dal primo decreto – avevano stabilito che che: «i tassi non sono comprensivi della CMS eventualmente applicata».

Le indicazione della S.C. assumono tutte ovviamente un particolare rilievo, anche se una deve essere valutata con assoluta attenzione.

Le incertezze interpretative derivanti dalla contraddittorietà della normativa secondaria di settore sono da porre in relazione, in larga misura, alla differente impostazione ermeneutica fatta propria dalla S.C. rispetto ai criteri individuati, sino al 2009, dalle circolari della Banca d’Italia. A partire quindi dalle valutazione dal 2010 è altamente verosimile che l’elemento soggettivo del reato possa essere escluso sulla base degli altri criteri enucleati dalla Cassazione, ma ben difficilmente sulla base di vere o presunte “contradditorietà” interpretative.

In chiave penale, con la sentenza n. 46669/2011 la Suprema Corte ha posto le basi per una applicazione delle responsabilità per l’art. 644 c.p. , anche agli esponenti degli istituti di credito.  In particolare la decisione, dopo aver confermato la sussistenza dell’usura sotto il profilo oggettivo – ha ritenuto alcuni Presidenti di istituti bancari titolari di una posizione di garanzia, escludendo l’esistenza di deleghe a terzi in materia di remunerazione del credito e affermando  che il potere decisionale in materia di erogazione del credito competerebbe a tali soggetti come estrinsecazione del più generale potere di indirizzo. La decisione escludeva la responsabilità dei funzionari “locali” delle banche, sul presupposto che costoro non avrebbero potuto predisporre cautele idonee a scongiurare il prodursi dei tassi usurari.

L’argomentazione della S.C. sul punto meriterebbe di essere esaminata nel dettaglio, anche se in sintesi si deve ritenere che l’ignoranza del tasso di usura da parte di una banca sia priva di effetti e non possa essere invocata come scusante, risolvendosi in una ignoranza della legge penale.

Merita, in questa sede, rammentare almeno questo passaggio della sentenza: “ In mancanza di specifiche attribuzioni agli organi di vertice delle banche, nessuna delega era necessaria per attribuire alla direzione generale o centrale della stessa la competenza a determinare le condizioni da applicare alla clientela e, quindi, anche i relativi tassi soglia, trattandosi di competenze autonomamente attribuite dallo statuto o da altre norme regolamentari a tali organi sottordinati.

Tali norme statutarie, tuttavia, non esonerano…i Presidenti delle Banche dal controllo gestionale generale relativo alla determinazione del tasso soglia e dalla responsabilità, sia penale sia civile connessa al suo superamento, anche se non hanno concretamente partecipato alla determinazione dei tassi di interesse con riferimento ai singoli clienti.

I Presidenti degli istituti bancari sono, dunque, garanti primari della corretta osservanza delle leggi sull’usura indipendentemente dalla suddivisione dei compiti che non può esonerare i vertici dall’attività di vigilanza e controllo: «Anche se dalla normativa secondaria, quali delibere e regolamenti, dovesse risultare l’attribuzione ad altri organismi, quali il direttore generale o il settore commerciale, delle competenze relative alla fissazione dei tassi, rimane salvo il potere di controllo e vigilanza del Consiglio d’amministrazione degli istituti di credito in funzione di garanzia, quest’ultimo non delegabile. La S.C. non ritiene inoltre scusabile, in linea di principio, da parte di un istituto di credito, “ l’errore riferibile al calcolo dell’ammontare degli interessi usurari trattandosi di interpretazione che, oltre ad essere nota all’ambiente bancario, non presenta in sé particolari difficoltà. Tale dovere è particolarmente rigoroso nei confronti degli organi di vertice della banca, essendo per costoro particolarmente accentuato il dovere di informazione sulla legislazione in materia, esistendo sempre un obbligo incombente su chi svolge attività in un determinato settore di informarsi con molta diligenza sulla normativa esistente e, nel caso di dubbio, di astenersi dal porre in essere la condotta.

La conclusioni della Suprema Corte testè sintetizzate consentono una ulteriore breve riflessione, ancora in punto elemento soggettivo, circa la compatibilità del dolo eventuale, cioè quella manifestazione del dolo in cui l’agente si rappresenta la possibilità che l’evento si verifichi e accetta la possibilità che tale fatto si verifichi, con il delitto di usura.

Il dolo eventuale deve ritenersi ravvisabile, nella misura in cui gli amministratori degli istituti di credito hanno accertato il rischio del verificarsi dell’evento; gli stessi devono essere, nelle loro qualità di organi apicali delle banche, al corrente delle questioni di maggiore rilevanza attinenti all’attività d’impresa e, tra queste, quella sulla remunerazione del denaro oggetto delle operazioni in cui si concretizza l’esercizio del credito, non potendo il titolare di una posizione di garanzia declinare gli obblighi di controllo e di vigilanza che la legge pone a suo carico.

In questo contesto è facile prevedere che non tarderanno nuovi sviluppi giurisprudenziali capaci di adeguare l’interpretazione delle norme alle mutate esigenze della società contemporanea.

 

 

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