Country Manual Private Banking
Croatia out of EEA
out of Bank’s Country of Establishment (Def, RS, BT & RT)
| Source of changes | Answers |
|---|---|
| Law / Regulation | Yes |
| New Position of the Authorities | No |
| Evolution of Expert’s Interpretation | No |
Regulatory Template, Regulatory Summary and Behaviour Template
Material changes
The Capital Markets Act specifies that the Bank is obliged to provide a prospect/client with all the information necessary pursuant to the Capital Market Act in electronic form, but that retail investors must be informed that they can also request the information in paper form.
Since the last update, Croatia has amended the Consumer Crediting Act and put into force an Act on Means, Conditions, and Procedure of Servicing and Purchasing of Claims Act, which according to local counsel, are considered to, in large part, reflect provisions on relevant EU directives. For the purposes of the present Private Banking manual, only the rules on a cap on variable rates for consumer loans and the fact that debtors may not be charged any cost for compulsory notices have been retained.
Non-material changes
Some comments and content have been streamlined and/or reworded in the Country Manual, without introducing substantive chSome comments and content have been streamlined and/or slightly reworded in the Country Manual, without introducing substantive changes.
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Geneva, November 13th, 2025