The Central Bank’s Board decision “On Amendments and Additions to the Regulation on Minimum Requirements for the Activities of Commercial Banks When Interacting with Consumers of Banking Services” was registered with the Ministry of Justice on October 28, 2025, under number 3030-11.
The amendments introduce the following key requirements:
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a standard checklist form is introduced, requiring banks to inform individual borrowers about potential risks related to loan obligations. This checklist encourages borrowers to make responsible decisions by providing them with clear explanations in advance;
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banks must establish and disclose internal procedures for modifying loan agreements for borrowers facing financial difficulties. This aims to strengthen support systems for clients, ensure transparency in loan restructuring, and define clear internal rules;
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restrictions are introduced on unfair practices, including offering loans larger than the requested amount, collecting debts from state social benefits, and demanding payments before the due dates indicated in repayment schedules. These measures help prevent over-indebtedness and protect socially vulnerable citizens;
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banks are prohibited from pre-setting or pre-selecting any options that express the consumer’s consent, as well as from pre-filling loan parameters. This ensures customers’ freedom of choice and enhances transparency in banking services;
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commercial banks must provide detailed information on the deposit guarantee system, including types and amounts of guaranteed deposits, procedures, and payment deadlines. This helps increase public awareness of deposit security and strengthen trust in the banking system.
The amendments will take effect on January 29, 2026.
The full document is available via the provided link.
