O limitare rezonabilă impusă prin Legea nr. 243/2024 privind protecţia consumatorilor cu privire la costul total al creditării şi la cesiunea de creanţe. Exemple practice
A reasonable limitation imposed by Law no. 243/2024 on consumer protection on the total cost of loan and the assignment of receivables. Practical examples

Summary/Abstract: Law no. 243/2024 regulates the total cost of the loan and the debt recovery activity, with the main objective of protecting consumers from over indebtedness. The new ceilings on Annual Interest Rate and total amount payable significantly limit the costs of consumer credit and clarify the obligations of NFIs and debt collectors. The analysis emphasizes the potentially active role of the bailiff in identifying the exceeding of the legal limits at the time of the application. Existing case law points to challenges in applying the law, including issues of non retroactivity. There is an emerging need for a uniform judicial practice to ensure consumer protection.

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