Providing Loans to Consumers through Peer-to-peer Lending in the Context of Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on Credit Agreements for Consumers
Providing Loans to Consumers through Peer-to-peer Lending in the Context of Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on Credit Agreements for Consumers

Summary/Abstract: This paper examines peer-to-peer lending in relation to Directive (EU) 2023/2225, considering Slovak Republic specifics. It analyzes peer-to-peer lending in Slovakia, focusing on: the nature of peer-to-peer lending entities; the strictness of legislative regulation; the corporate nature of service providers; and controversial aspects in court decision-making. The study addresses the lack of studies assessing peer-to-peer lending legislative regulations in individual countries and aims to fill this knowledge gap. The authors hypothesize that peer-to-peer lending should be regulated at the EU level with a specific, directly applicable, and binding regulation.

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