Laws and regulations

Acts and directly binding EU regulations

• Act No. 145/2010 Coll., on Consumer Credit (pdf, 2 MB), amended by Act No. 43/2013 Coll. (pdf, 1 MB), available in Czech only, valid until 30 November 2016
• Act No. 257/2016 Coll., on Consumer Credit (external link, available in Czech only) valid since 1 December 2016
• Regulation (EC) No 2006/2004 (pdf, 231 kB) of the European Parliament and of the Council of 27 October 2004 on cooperation between national authorities responsible for the enforcement of consumer protection laws
• Commission Delegated Regulation (EU) No 1125/2014 (pdf, 316 kB) of 19 September 2014 supplementing Directive 2014/17/EU of the European Parliament and of the Council with regard to regulatory technical standards on the minimum monetary amount of the professional indemnity insurance or comparable guarantee to be held by credit intermediaries

Decrees

• Decree No. 56/2024 Coll. (pdf, 277 kB) of 26 February 2024 on the determination of the comparable length of the period for which a fixed borrowing interest rate is agreed and the division of consumer credit for housing purposes into groups for the purpose of reimbursement of costs for early repayment of certain consumer credit for housing purposes
• Decree No. 399/2021 Coll. (pdf, 344 kB) of 25 October 2021 on credit ratios
• Decree No. 381/2016 Coll. (pdf, 101 kB) of 16 November 2016 on applications, notifications and the submitting of statements pursuant to the Consumer Credit Act
• Decree No. 384/2016 Coll. (pdf, 140 kB) of 23 November 2016 on professional qualifications for the distribution of consumer credit

Related EU directives

• Directive 2008/48/EC (external link) of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC
• Directive 2014/17/EU (external link) of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers relating to residential immovable property and amending Directives 2008/48/EC and 2013/36/EU and Regulation (EU) No 1093/2010
• Directive 2005/29/EC (external link) of the European Parliament and of the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the internal market and amending Council Directive 84/450/EEC, Directives 97/7/EC, 98/27/EC and 2002/65/EC of the European Parliament and of the Council and Regulation (EC) No 2006/2004 of the European Parliament and of the Council
• Directive 2002/65/EC (external link) of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services and amending Council Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC
• Council Directive 93/13/EEC (external link) of 5 April 1993 on unfair terms in consumer contracts
• Directive 2011/83/EU (external link) of the European Parliament and of the Council of 25 October 2011 on consumer rights, amending Council Directive 93/13/EEC and Directive 1999/44/EC of the European Parliament and of the Council and repealing Council Directive 85/577/EEC and Directive 97/7/EC of the European Parliament and of the Council
• Directive 2007/64/EC (external link) of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market amending Directives 97/7/EC, 2002/65/EC, 2005/60/EC and 2006/48/EC and repealing Directive 97/5/EC