OpenLobby.EU
Explore

Asociace poskytovatelů nebankovních úvěrů

APNU

koordinovat postup nebankovních subjektů, které poskytují spotřebitelské úvěry, budovat etický přístup, komunikovat s regulátorem a dalšími orgány státní správy, udržovat pravidelný kontakt s neziskovými organizacemi, které působí v této oblasti na českém trhu

Lobbying Activity

Response to Consumer Credit Agreement – review of EU rules

27 Aug 2021

APNU fully supports a review of Directive 2008/48/EC, which will ultimately lead to the associations mission: build a reliable, socially responsible lending practice focused on a long-term cooperation, which will be positively perceived by consumers as well as regulators. However, we perceive some provisions may lead to unintended consequences such as increase of credit costs, exclusion of consumers and creditors from the legal market and difference in the directive interpretation across the Member States. In particular, we consider as risky the following provisions: - Cap on costs / interest rates (Art. 31) - New, ambiguous requirements of the creditworthiness assessment (Art. 18, specifically 18.6.) - New pre-contractual information as well as advertisement requirements which may lead to overload of consumers (Art. 8.2, 10.2, 10.4, 12 and 21) You can find more details in the attached file.
Read full response