Country Manual Credits
Romania – Update 2025
out of Credit Institution’s Country of Establishment (Def, BT & Def)
| Source of changes | Answers |
|---|---|
| Law / Regulation | Yes |
| New Position of the Authorities | No |
| Evolution of Expert’s Interpretation | No |
Regulatory Template, Behaviour Template and Definitions and Concepts
Material changes
Since the last update, Romania has amended its legal framework on credit services, namely by Law 243/2024 on consumer protection regarding the total cost of credit and assignment of claims, and by Government Emergency Ordinance no. 15/2024 on credit servicers and credit purchasers. The Country Manual has been amended accordingly.
Non-material changes
Some content has been amended and/or slightly reworded (without introducing material changes) to reflect the regulatory situation/current interpretation of the regulatory framework more accurately. Also, the BT comments have been streamlined to align with the general approach used for the BT of the Credit Manuals.
For more information, please contact us: info@brpsa.com
Geneva, October 3rd 2025