Consumer protection and consumer credit

Regulation in this area comprises rules of conduct of financial market entities towards consumers. Consumer credit is a specific area of regulation. The set of entities subject to consumer credit supervision by the CNB was widened with effect from 1 December 2016. Consumer credit regulation pertains to consumer credit providers, consumer credit intermediaries and accredited entities organising professional examinations pursuant to the Consumer Credit Act. Consumer protection regulation pertains to persons referred to in Article 44(1) of the Act on the Czech National Bank in respect of the pursuit of business by those persons under authorisation, licence or registration obtained from the CNB.
Further practical information, for example regarding the CNB’s scope of competence in the consumer protection area, is available on separate pages.

  • Laws and regulations
    (An overview of laws and implementing regulations relating to this financial sector. Also contains directly binding EU regulations where issued in this sector).
    • Acts and directly binding EU regulations
    • Decrees and provisions
  • Methodological and interpretative documents
    (An overview of current official information, opinions and replies relating to laws and regulations of this financial sector).
    • Official information
    • Guidelines of the European Supervisory Authorities
    • Answers to enquiries
    • Other documents
  • Consultation documents and proposals
    (Newly prepared documents which the CNB publishes for discussion or to provide information to financial market participants).  

The above-mentioned legal rules are for information only. The sole authentic wording of legal rules is the version published in the Collection of Laws or in the CNB Bulletin.