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https://doi.org/10.3935/zpfz.69.1.02

Responsible Lending de lege lata and de lege ferenda – General Questions

Siniša Petrović   ORCID icon orcid.org/0000-0001-9934-891X ; Faculty of Law, University of Zagreb, Zagreb, Croatia
Jan Torjanac   ORCID icon orcid.org/0000-0003-4801-6178 ; legal trainee

Puni tekst: hrvatski, pdf (298 KB) str. 37-58 preuzimanja: 307* citiraj
APA 6th Edition
Petrović, S. i Torjanac, J. (2019). Odgovorno kreditiranje de lege lata i de lege ferenda – opća pitanja. Zbornik Pravnog fakulteta u Zagrebu, 69 (1), 37-58. https://doi.org/10.3935/zpfz.69.1.02
MLA 8th Edition
Petrović, Siniša i Jan Torjanac. "Odgovorno kreditiranje de lege lata i de lege ferenda – opća pitanja." Zbornik Pravnog fakulteta u Zagrebu, vol. 69, br. 1, 2019, str. 37-58. https://doi.org/10.3935/zpfz.69.1.02. Citirano 10.07.2020.
Chicago 17th Edition
Petrović, Siniša i Jan Torjanac. "Odgovorno kreditiranje de lege lata i de lege ferenda – opća pitanja." Zbornik Pravnog fakulteta u Zagrebu 69, br. 1 (2019): 37-58. https://doi.org/10.3935/zpfz.69.1.02
Harvard
Petrović, S., i Torjanac, J. (2019). 'Odgovorno kreditiranje de lege lata i de lege ferenda – opća pitanja', Zbornik Pravnog fakulteta u Zagrebu, 69(1), str. 37-58. https://doi.org/10.3935/zpfz.69.1.02
Vancouver
Petrović S, Torjanac J. Odgovorno kreditiranje de lege lata i de lege ferenda – opća pitanja. Zbornik Pravnog fakulteta u Zagrebu [Internet]. 2019 [pristupljeno 10.07.2020.];69(1):37-58. https://doi.org/10.3935/zpfz.69.1.02
IEEE
S. Petrović i J. Torjanac, "Odgovorno kreditiranje de lege lata i de lege ferenda – opća pitanja", Zbornik Pravnog fakulteta u Zagrebu, vol.69, br. 1, str. 37-58, 2019. [Online]. https://doi.org/10.3935/zpfz.69.1.02

Sažetak
Responsible lending and its more detailed regulation is a novelty in Croatian law that has gradually developed normatively under the influence of the acquis communautaire. The Credit Institutions Act and the Consumer Protection Act do not contain special provisions that would relate to the issue of responsible lending in the strict sense. The Consumer Credit Act addresses the obligation of creditworthiness assessment in a relatively superficial manner, while the Mortgage Consumer Credit Act on the other hand prescribes in detail the obligation of credit institutions to assess consumer creditworthiness. These rules aim at increasing the probability that consumers will be able to meet their credit obligations on a regular basis. The assessment seeks to achieve a balance between the idea of incorporation and protection of credit institutions from consumers who are not creditworthy. The regulations are largely in line with the acquis communautaire, although Croatia has failed to specify the implementation of certain provisions. Thus, de lege ferenda, regulatory measures can be divided into those that fall within the field of lending stricto sensu and other regulatory measures, where an example of the former is a more concrete arrangement of the legal consequences in case of approving the loan to a consumer who, according to the assessment, would not be creditworthy. A de lege ferenda proposal for other regulatory measures or measures of economic policy would be the solution of the housing issue through the institute of protected long-term rent. Lastly, responsible lending, though primarily directed at credit institutions, must also have a backbone in the form of financial responsibility of consumers, and therefore non-regulatory measures aimed at consumer education are proposed.

Ključne riječi
responsible lending; assessment of creditworthiness; consumer protection law; financial responsibility; acquis communautaire

Hrčak ID: 217852

URI
https://hrcak.srce.hr/217852

[hrvatski]

Posjeta: 607 *