22 results found

The economic and financial crisis has created stricter credit terms for clients to obtain credit from banking institutions.

The referring court alluded to the lack of consensus in Polish jurisprudence on this particular matter while AG Hogan described Polish case law as rife with conflicting judgements on this matter.

On the 19th of December 2019 (C290-19), the European Court of Justice (ECJ or the Court) gave its interpretation by virtue of a preliminary ruling on the interpretation of Article 10

On 17 October 2024, the Court of Justice of the European Union delivered a ruling in the case of Riverty GmbH (legal successor of Arvato Finance BV) v MI (Case C-409/23), on the qualification of the so-called ‘buy-now-pay-later' schemes...

In a preliminary ruling requested by the Ravensburg Regional Courts in relation to Volkswagen Bank, Škoda Bank and BMW Bank (the "Banks") (Cases C 33/20, C 155/20 & C 187/20)

There were several important legislative changes which were published over the course of November 2025. Below is an overview of the key updates across different areas.

Following an early repayment of their loans, the consumers had assigned to Lexitor, a company governed by Polish law, their claims against the banks relating to the early repayment of the loans.

On 9 February 2023, the Court of Justice of the European Union ("CJEU"), in delivering a ruling in the case of UniCredit Bank Austria AG vs. Verein für Konsumenteninformation (Case C-555/21), considered the provisions on reduction of costs in the event of early repayment.

On 13 February 2025, the Court of Justice of the European Union (the "CJEU") delivered a preliminary ruling in the case C-472/23 in the names Lexitor sp. z o.o. v A. B.S.A...

Personal loans and overdrafts, credit cards and short-term credit products are amongst the commonest consumer lending products offered by banks and financial institutions to satisfy a variety of consumer needs.

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation...

Advancements in the world of fintech have fundamentally reshaped consumer behaviour through the rise of flexible payment methods, driven by surging technological developments.

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation which banks...

The national legal framework applicable to banks and financial institutions offering consumer lending products, including personal loans, overdrafts and credit cards, is being revised as detailed by the MFSA...

On the 3rd of October 2025, Legal Notice 216 of 2025 was published in the Government Gazette with the aim of transposing Article...

On the 19 February 2024, the MFSA issued a consultation on a proposed "Conduct of Business Rulebook for Credit Institutions" (the "Conduct Rulebook")...

Amendments to the Consumer Credit Regulations, S.L. 378.12 (the "Consumer Credit Regulations") and to the Credit Agreements for Consumers Relating to Residential Immovable Property, S.L. 378.10...

Amendments to the Consumer Credit Regulations, S.L. 378.12 (the "Consumer Credit Regulations") and to the Credit Agreements for Consumers Relating to Residential Immovable Property, S.L. 378.10...