of October 15, 2024 No. 47/1
About approval of the Regulations on the requirements of responsible crediting applied to service providers of collective financing
Based on Item (3) Article 5 and Item (3) article 30 of the Law on services of collective financing No. 181/2023 (Official monitor of the Republic of Moldova, 2023, No. 272-273 Art. 470) National commission on the DECIDES: financial market
1. Approve Regulations on the requirements of responsible crediting applied to service providers of collective financing it (is applied).
2. This resolution becomes effective from the date of publication in the Official monitor of the Republic of Moldova.
Chairman
To Dumitr Budiyanski
Approved by the Resolution of the National commission on the financial market of the Republic of Moldova of October 15, 2024 No. 47/1
1. The regulations on the requirements of responsible crediting applied to service providers of collective financing (further - the Provision) are directed to regulation of requirements to assessment of creditworthness of potential debtors consumers before placement of the offer of collective financing of consumer loan on platform of collective financing (further - platform).
2. Requirements of this provision do not extend to the consumer loans which are completely guaranteed on all effective period money (the deposit - guarantee) in bank.
3. For the purposes of this Resolution the concepts determined in the Law on credit agreements with consumers No. 202/2013, the Law on services of collective financing No. 181/2023, and also the following concepts are used:
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