Licensing and approval proceedings under the Consumer Credit Act

The essential elements of applications and notifications pursuant to Act No. 257/2016 Coll., on Consumer Credit (hereinafter the “Act”) are stipulated in Decree No. 381/2016 Coll., on applications, notifications and the submitting of statements pursuant to the Consumer Credit Act.

Notice regarding the submitting of applications and notifications pursuant to the Consumer Credit Act (available in Czech only)

Acts

• Act No. 257/2016 Coll., on Consumer Credit (external link, available in Czech only)

Decrees

• Decree No. 381/2016 Coll. (pdf, 293 kB), on applications, notifications and the submitting of statements pursuant to the Consumer Credit Act, and justification (pdf, 134 kB, available in Czech only)

Official information, methodological information

• Official Information of 5 August 2020 (pdf, 255 kB) regarding the interpretation of the terms trustworthiness and competence 
• Official Information of 7 July 2008 (pdf, 145 kB, available in Czech only), announcing the practice of the Czech National Bank regarding extracts or copies from the crime register
• Supervisory Benchmark No. 3/2016 (pdf, 245 kB, available in Czech only) – Requirements for the pursuit of business of a non-bank consumer credit provider pursuant to Article 15 of Act No. 257/2016 Coll., on Consumer Credit
• Supervisory Benchmark No. 1/2017 (pdf, 243 kB, available in Czech only) – The manner of generating tests when organising professional examinations pursuant to Act No. 257/2016 Coll., on Consumer Credit
• Methodology for the submitting of applications for a non-bank consumer credit provider licence (pdf, 219 kB, available in Czech only)
• Methodology for the submitting of applications for an independent intermediary licence (pdf, 230 kB, available in Czech only)
• Statement of the Czech National Bank pursuant to Article 16(2) of the Administrative Procedure Code on the language of documents submitted to the Czech National Bank in administrative proceedings under the Consumer Credit Act (pdf, 332 kB; available in Czech only) on the official noticeboard of the Czech National Bank (available in Czech only)

Applications and notifications 

A. Non-bank consumer credit providers

• Methodology for the submitting of applications for a non-bank consumer credit provider licence (pdf, 230 kB, available in Czech only)
• application for a non-bank consumer credit provider licence (REGIS), (doc, 44 kB) (pdf, 345 kB)
  • document for the assessment of trustworthiness of a natural person (doc, 34 kB) (pdf, 95 kB)
  • document for the assessment of trustworthiness of a legal entity (doc, 27 kB) (pdf, 206 kB)
    • Regarding documents for the assessment of trustworthiness. Before filling in the document for the assessment of trustworthiness, it is necessary to become acquainted with the Official Information of the Czech National Bank regarding the interpretation of the terms trustworthiness and competence (pdf, 255 kB), particularly the criteria for the assessment of trustworthiness given on pages 4 and 5 thereof. If the answer to any of the questions given in the document for the assessment of trustworthiness is yes, it is necessary to provide information and documents, or adduce other evidence, that will allow the CNB to make the assessment pursuant to pages 4 and 5 of the Official Information.
  • notification of changes in particulars entered in the register and other information relating to the business pursued (doc, 41 kB) (pdf, 83 kB)
  • notification of the termination of activities (REGIS), (doc, 36 kB) (pdf, 71 kB)

B. Independent consumer credit intermediaries

• Methodology for the submitting of applications for an independent intermediary licence (pdf, 230 kB, available in Czech only)
• application for an independent intermediary licence (REGIS)
  
  • application for a non-bank independent intermediary licence (doc, 42 kB) (pdf, 278 kB)
  • application for a bank independent intermediary licence (doc, 37 kB) (pdf, 174 kB)
    • document for the assessment of trustworthiness of a natural person (doc, 36 kB) (pdf, 211 kB)
    • document for the assessment of trustworthiness of a legal entity (doc, 27 kB) (pdf, 206 kB)
      • Regarding documents for the assessment of trustworthiness. Before filling in the document for the assessment of trustworthiness, it is necessary to become acquainted with the Official Information of the Czech National Bank regarding the interpretation of the terms trustworthiness and competence (pdf, 255 kB), particularly the criteria for the assessment of trustworthiness given on pages 4 and 5 thereof. If the answer to any of the questions given in the document for the assessment of trustworthiness is yes, it is necessary to provide information and documents, or adduce other evidence, that will allow the CNB to make the assessment pursuant to pages 4 and 5 of the Official Information.
• notification of changes in particulars entered in the register and other information relating to the business pursued (doc, 41 kB) (pdf, 83 kB)
• notification of a change of a consumer credit provider for whom an independent intermediary does business (REGIS)
• notification of the termination of activities (REGIS), (doc, 36 kB) (pdf, 71 kB)

C. Tied agents

• notification of tied agents (REGIS)
  • appendix to a notification of tied agents (xls, 308 kB)
  • methodology for filling in an application (pdf, 253 kB, available in Czech only)
  • Procedures for submitting applications pursuant to the Consumer Credit Act (pdf, 1.3 MB, available in Czech only)
  • scheme of the XML interface structure for the validation of applications for entry in the list of tied agents (zip, 11 kB)

D. Intermediaries of tied consumer credit

• notification of an intermediary of tied consumer credit (REGIS)
  • appendix to a notification of intermediaries of tied consumer credit (xls, 180 kB)
  • methodology for filling in an application (pdf, 253 kB, available in Czech only)
  • Procedures for submitting applications pursuant to the Consumer Credit Act (pdf, 1.3 MB, available in Czech only)
  • scheme of the XML interface structure for the validation of applications for entry in the list of intermediaries of tied consumer credit (zip, 11 kB)

E. Accredited persons

• Examinations under Act No. 257/2016 Coll., on Consumer Credit (available in Czech only)
• application for accreditation (doc, 40 kB) (pdf, 80 kB)
  • document for the assessment of trustworthiness of a natural person (doc, 36 kB) (pdf, 211 kB)
  • o document for the assessment of trustworthiness of a legal entity (doc, 27 kB) (pdf, 206 kB)
    • Regarding documents for the assessment of trustworthiness. Before filling in the document for the assessment of trustworthiness, it is necessary to become acquainted with the Official Information of the Czech National Bank regarding the interpretation of the terms trustworthiness and competence (pdf, 255 kB), particularly the criteria for the assessment of trustworthiness given on pages 4 and 5 thereof. If the answer to any of the questions given in the document for the assessment of trustworthiness is yes, it is necessary to provide information and documents, or adduce other evidence, that will allow the CNB to make the assessment pursuant to pages 4 and 5 of the Official Information.
• Supervisory Benchmark No. 1/2017 (pdf, 243 kB, available in Czech only) – The manner of generating tests when organising professional examinations pursuant to Act No. 257/2016 Coll., on Consumer Credit
• notification of a change in the particulars of an accredited person entered in the register (doc, 29 kB) (pdf, 77 kB)
• application for the extension (renewal) of accreditation (doc, 28 kB) (pdf, 76 kB)
• application for the termination (withdrawal) of accreditation (doc, 26 kB) (pdf, 72 kB)

Other

• Frequently asked questions on the REGIS information system (pdf, 287 kB, available in Czech only)
• Instructions for configuring browsers in connection with the security restriction on access to CNB applications using the SSLv3 protocol (pdf, 461 kB, available in Czech only)