Agenda Profile: Andre Hanimägi
Proposal by the Chancellor of Justice for bringing the Money Laundering and Terrorist Financing Prevention Act, the Credit Institutions Act, the Law of Obligations Act, and the State Fees Act into conformity with the Constitution
2024-05-13
15th Estonian Parliament, 3rd session, plenary session
Political Position
The political position is strongly oriented towards protecting the rule of law and social justice, supporting the Chancellor of Justice's proposal to guarantee citizens access to a bank account. The primary focus is on safeguarding people's rights against banks and preventing the risk of social exclusion. Emphasis is placed on the necessity of resolving the high cost of litigation and the issue of state fees, which currently present an obstacle to the defense of rights. The political framework is clearly value-based, stressing a commitment to the rule of law.
1 Speeches Analyzed
Topic Expertise
The speaker demonstrates expertise in financial disputes, anti-money laundering (AML) obligations (due diligence), and legal protection mechanisms. Particular emphasis is placed on the role of the Financial Supervisory Authority and the dire need for a financial ombudsman who could resolve disputes more quickly and affordably. Specific terms like "social account" are used, and reference is made to the Credit Institutions Act.
1 Speeches Analyzed
Rhetorical Style
The rhetorical style is serious and concerned, emphasizing the absurdity and urgency of the situation where an individual could be left without a bank account. Both logical arguments (court costs, legal loopholes) and emotional appeals (faith in the rule of law, social exclusion) are utilized. The address is formal and focuses on seeking political solutions, while thanking the Chancellor of Justice for raising the issue.
1 Speeches Analyzed
Activity Patterns
No data available
1 Speeches Analyzed
Opposition Stance
Criticism is aimed at the activities of banks that close accounts without providing substantial justification and may use consumer loan contracts that are not compliant with Estonian law. The bureaucracy is also criticized for legally stalling the creation of the financial ombudsman position, despite the Financial Supervision Authority itself acknowledging the necessity of such a role.
1 Speeches Analyzed
Collaboration Style
The speaker demonstrates a strong commitment to cooperation, supporting the proposals initiated by the Chancellor of Justice and thanking him/her for raising the issue. Colleagues ("dear colleagues") are called upon to support the proposals and continue the discussion regarding the establishment of a financial ombudsman.
1 Speeches Analyzed
Regional Focus
The focus is entirely on national legal and social issues that affect all Estonian residents and businesses who interact with Estonian banks and legislation.
1 Speeches Analyzed
Economic Views
Economic perspectives stress consumer protection and government regulation aimed at ensuring basic economic security and safeguarding individuals against the stronger party (banks). The due diligence obligations of banks in preventing money laundering are acknowledged, but there is a demand for finding a balance with individuals' fundamental rights. Support is given to establishing a mechanism for resolving financial disputes in order to reduce litigation costs.
1 Speeches Analyzed
Social Issues
The primary social issue revolves around preventing social and economic exclusion, which occurs when individuals are left without a bank account and consequently lose access to state benefits. It is stressed that the absence of a bank account prevents the payment of essential bills and kindergarten fees, thereby jeopardizing people's ability to cope and maintain their livelihood.
1 Speeches Analyzed
Legislative Focus
The legislative focus is on supporting the Chancellor of Justice’s proposal concerning the harmonization of the Money Laundering and Terrorist Financing Prevention Act, the Credit Institutions Act, the Law of Obligations Act, and the State Fees Act with the Constitution. A second important priority is the establishment of the position of Financial Ombudsman within the Financial Supervisory Authority.
1 Speeches Analyzed