The "debt discharge" (darea in plata) allows for the discharge in full of any loans contracted by a natural person and secured by a mortgage arrangement, including any accessories in connection therewith.

Trade finance is generally not very developed in Romania, at least by comparison with other EU Member States and developed and emerging markets.

The Romanian Civil Code regulates the legal mortgage in favour of contractors, sometimes unjustly extended also to the benefit of subcontractors.

Starting with 2014, after the entry into force of new prudential rules imposed by the Basel III international standards, as well as by Directive 2013/36/EU and Regulation no. 575/2013, ...

In January 2017, the NBR issued a press release offering its interpretation in relation to this legislative amendment.

One particular issue has been legislators' intention to apply certain of the new legal provisions also to existing contracts, concluded prior to the entry into force of the new laws.