Usura: limiti alla responsabilità del dipendente bancario

di Dott. Matteo Ferrione150123-banca_finanza

Articolo comparso sulla rivista BancaFinanza (febbraio 2017).

 

Con una recente Sentenza del 6 ottobre 2016, il Tribunale di Ferrara si è pronunciato sulla responsabilità di tre dipendenti bancari, chiamati a rispondere del reato di usura per aver applicato, ad una Srl che aveva richiesto l’apertura di una linea di credito, tassi d’interesse superiori alla soglia di legge (c.d. usura oggettiva), per un primo periodo di tempo, e comunque, anche successivamente, tassi superiori o sproporzionati rispetto a quello medio praticato per operazioni analoghe, seppur inferiori alla soglia legale (c.d. usura soggettiva, o “in concreto”).

Nell’ambito di detta apertura di credito (per l’esattezza si trattava di due distinti rapporti di conto corrente), le responsabilità dei tre soggetti erano state individuate dalla Pubblica Accusa in ragione delle qualità rivestite da ciascuno degli imputati: il primo quale referente, a livello locale, del settore imprese della banca (che seguiva quindi i rapporti con la società cliente); il secondo ed il terzo quali direttori, in tempi diversi, della stessa filiale; il tutto con le aggravanti – per tutti e tre – di avere agito nell’esercizio di una attività professionale bancaria e di avere commesso il fatto in danno di chi (in questo caso la società di capitali, titolare del conto) si trovava in stato di bisogno.

A fronte della discordanza tra le risultanze dei pareri rilasciati dai consulenti circa l’effettivo superamento del tasso-soglia e circa la congruità del costo del denaro rispetto alla media delle condizioni praticate su simili operazioni, in una situazione di oggettiva ed accertata tensione finanziaria del cliente, la difesa dei tre dipendenti si incentrava sulla possibilità di addebitare il fatto di reato contestato agli imputati medesimi, tenuto conto che nessuno di questi rivestiva un ruolo di responsabilità nel settore imprese della banca (competente a deliberare su prestiti ed affidamenti) né aveva, conseguentemente, alcun ruolo nella gestione di detti rapporti di credito.

Emergeva, infatti, come tale gestione concernente le imprese fosse affidata ad una “filiera gerarchica” separata e collaterale rispetto a quella dei normali clienti privati, in base alla quale il gestore della singola posizione rispondeva direttamente ad un responsabile di zona: con la conseguenza che agli imputati, secondo tale ricostruzione, nulla poteva essere addebitato.

Poiché, infatti – si legge in Sentenza – “i tassi d’interesse erano decisi a livello centralizzato e in modo standardizzato, venendo poi applicati a tutti i clienti appartenenti ad una medesima categoria di richiedenti”, “il referente non aveva il potere di modificare i tassi in questione (potendo al più presentare ai propri superiori delle proposte migliorative)”, ed a nessuno dei tre imputati poteva demandarsi il compito di controllare che non si verificassero dei superamenti del tasso soglia, con la conseguente necessità di operare delle rettifiche (che competevano agli uffici centrali della Banca).

Condividendo la tesi difensiva, il Tribunale ha così accolto la richiesta di assoluzione per tutti e tre i dipendenti della banca.

A margine, peraltro, la Sentenza ha osservato come, al di fuori di una responsabilità “diretta” e attiva degli imputati (qui esclusa), non può configurarsi, nel caso di specie, una diversa responsabilità “omissiva” dei dipendenti per non aver impedito l’applicazione di tassi usurari, anche alla luce del fatto che la responsabilità penale per il reato di usura può sussistere solo se vi è piena coscienza e volontarietà dell’agente di praticare un tasso di interesse illegale (come peraltro riaffermato, di recente, dalla Corte di Cassazione, con la Sent. 49318/2016, secondo cui il reato di usura è punibile solo a titolo di dolo diretto, che consiste nella cosciente volontà di conseguire i vantaggi usurari).

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