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International Personal Finance Plc

IPF Plc.

Our purpose is to build a better world through financial inlcusion and make a difference in the lives of our customers by offering simple, personalised financial solutions.

Lobbying Activity

Response to 28th regime – a single harmonized set of rules for innovative companies throughout the EU

30 Sept 2025

International Personal Finance (IPF) welcomes the European Commissions initiative to introduce a 28th regime designed to streamline business operations within the Single Market. As a global financial services company specializing in consumer finance, IPF understands both the potential and the necessity of incorporating sector-specific considerations into any harmonized legal framework. The digital approach and labour law harmonization are of particular interest to IPF along with developments in the regulation of cross-border operations, licensing, and supervisory obligations.
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Meeting with Arba Kokalari (Member of the European Parliament, Rapporteur)

9 Nov 2022 · Financial services contracts concluded at a distance

Meeting with Gilles Boyer (Member of the European Parliament)

21 Apr 2022 · Consumer Credit Directive (staff)

Response to Consumer Credit Agreement – review of EU rules

27 Aug 2021

Dear all, IPF is a leading international home credit and digital provider of consumer finance with a business model that dates from the 19th century. IPF provides simple, personalized loans to almost one million European citizens from Poland, Czech Republic, Hungary, Romania, Spain, Estonia, Lithuania and Latvia. There clients come from different social classes and age groups that could have been otherwise excluded from any source of financing. Whilst IPF fully agrees and supports most of the CCD review proposals as far as they ensure a fair, proportionate and balanced level-playing field for companies across the board, we think further analysis and consideration is required of some proposals potentially leading to unintended consequences such as: - Exclusion of consumers (and creditors) from the legal market and subsequent risk of their entry of a grey zone - Increase of credit costs - Different interpretation across the 27 MS with legal disputes over the next couple of decades. Please find all details in the document attached
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