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Malta
Finance Malta
In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation which banks...
Finance Malta
On the 19 February 2024, the MFSA issued a consultation on a proposed "Conduct of Business Rulebook for Credit Institutions" (the "Conduct Rulebook")...
Ganado Advocates
Amendments to the Consumer Credit Regulations, S.L. 378.12 (the "Consumer Credit Regulations") and to the Credit Agreements for Consumers Relating to Residential Immovable Property, S.L. 378.10...
Ganado Advocates
Personal loans and overdrafts, credit cards and short-term credit products are amongst the commonest consumer lending products offered by banks and financial institutions to satisfy a variety of consumer needs.
Ganado Advocates
Following an early repayment of their loans, the consumers had assigned to Lexitor, a company governed by Polish law, their claims against the banks relating to the early repayment of the loans.
Ganado Advocates
Formalities. In order to create an enforceable debt obligation of the obligor to the seller: (a) is it necessary that the sales of goods or services are evidenced by a formal receivables contract...
EMD Advocates
The economic and financial crisis has created stricter credit terms for clients to obtain credit from banking institutions.
European Union
Ganado Advocates
In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation...
Finance Malta
Amendments to the Consumer Credit Regulations, S.L. 378.12 (the "Consumer Credit Regulations") and to the Credit Agreements for Consumers Relating to Residential Immovable Property, S.L. 378.10...
Ganado Advocates
On 9 February 2023, the Court of Justice of the European Union ("CJEU"), in delivering a ruling in the case of UniCredit Bank Austria AG vs. Verein für Konsumenteninformation (Case C-555/21), considered the provisions on reduction of costs in the event of early repayment.
Ganado Advocates
In a preliminary ruling requested by the Ravensburg Regional Courts in relation to Volkswagen Bank, Škoda Bank and BMW Bank (the "Banks") (Cases C 33/20, C 155/20 & C 187/20)
Ganado Advocates
On the 19th of December 2019 (C290-19), the European Court of Justice (ECJ or the Court) gave its interpretation by virtue of a preliminary ruling on the interpretation of Article 10
Ganado Advocates
The Committee on Economic and Monetary Affairs of the European Parliament has recently issued a draft report on the proposal for a directive of the European Parliament and of the Council on credit servicers, credit purchasers and the recovery of collateral.
CSB Group
On August 7th the European Commission released its comments on the draft Regulation of the European Central Bank concerning the collection of granular credit and credit risk data.
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