Decision No. 39/3 of 10 August 2026 on the results of the thematic control conducted at OCN "EASY CREDIT" SRL

REPUBLIC OF MOLDOVA
NATIONAL FINANCIAL MARKET COMMISSION

DECISION
10 August 2026 No. 39/3
On the results of the thematic control, carried out within OCN "EASY CREDIT" SRL In accordance with the Control Activities Plan of the National Financial Market Commission for 2026 (annex to Decision of the National Financial Market Commission (CNPF/authority) no. 62/4/2025), in the period 12.05.2026 – 09.08.2026, within OCN "EASY CREDIT" SRL (participant/creditor), the thematic control was carried out, ordered by CNPF Decision no. 23/2 dated
12.05.2026 on carrying out the thematic control within OCN "EASY
CREDIT" SRL (Decision no. 23/2/2026).
The control aimed to verify compliance by OCN "EASY CREDIT" SRL with the provisions of art. 15 para. (7) lit. b) of Law no. 202/2013 on consumer credit contracts (as amended until 25.10.2025, hereinafter – Law no. 202/2013) and art. 15^1 para. (1) lit. b) of the same law, in relation to credit contracts concluded in the period 01.01.2024 – 11.05.2026. In accordance with the provisions of art. 70 para. (1) of the Administrative Code and point 26 subpoint 4) of the Regulation on the administrative control procedure (CNPF Decision no. 60/10 dated 05.12.2023, hereinafter – Regulation no. 60/10/2023), the participant was informed about the initiation of the thematic control, as well as about its rights and obligations, by CNPF letter no. 04-5/1848 dated 13.05.2026, to which the Control Plan was attached, approved by CNPF Decision no. 23/2/2026. The thematic control was carried out on-site, at the participant's headquarters, based on information and documents presented by it, at the request of the control team. By letters dated 20.05.2026 and 08.06.2026, the participant was requested to present the register of credit contracts, with explicit indication of mandatory fields, including the disbursed value, the total credit value, the total payable value, the total cost of the credit, calculated penalties and collected penalties, as well as credit files, selected according to an objective, neutral and pre-established criterion. Following the conduct of the thematic control, violations of the regulatory framework under verification were found, which were recorded in the Provisional Control Act, sent to the participant on 01.07.2026. Subsequently, on 10.07.2026, OCN "EASY CREDIT" SRL submitted objections regarding the findings reflected in the Provisional Control Act.

Accordingly, on 21.07.2026, the control team sent to the participant the Divergence Table and the Act on the results of the thematic control carried out within OCN "EASY CREDIT" SRL (Control Act). Following the examination of the objections, chapter II point 1 of the Control Act was completed by maintaining the finding also regarding credit contracts for which the participant invoked the existence of court judgments, which were individualized in annex no. 3 to the Control Act. Regarding the administrative procedure, it is noted that, in order to respect the right to be heard before issuing the individual administrative act, pursuant to art. 94 of the Administrative Code, by CNPF letter no. 04-5/3090 dated 21.07.2026 (sent to the email address client@easycredit.md), OCN "EASY CREDIT" SRL was informed about the date and time of the hearing (in this case, 24.07.2026, at 15:00). During the hearing on 24.07.2026, the representative of OCN "EASY CREDIT" SRL maintained the position exposed in the reference dated 10.07.2026 regarding the Provisional Control Act, expressing disagreement with the findings of the control team. In particular, he invoked that the control team did not take into account the existence of final and irrevocable court judgments, as well as pending litigation, repeatedly subjected to verification contracts examined previously within administrative procedures, and did not specify the methodology for determining the total cost of the credit applicable to contracts with status "closed". Furthermore, the participant's representative claimed that art. 15^1 para. (1) lit. b) of Law no. 202/2013 establishes a distinct legal regime from that provided in art. 15 para. (7) lit. b) of the same law, in force until 25.10.2025. Complementarily, the participant's representative invoked the need to take into account the limits of payment obligations communicated to consumers through notifications. Additionally, during the hearing, supplementary explanations were presented in written form, with attachments (registered at CNPF no. 6367), which were attached to the hearing record of the participant in the administrative procedure. At the same time, the representative of OCN "EASY CREDIT" SRL requested a term, until 04.08.2026, for the presentation of supporting documents. Subsequently, on 04.08.2026, OCN "EASY CREDIT" SRL presented supplementary explanations, accompanied by relevant supporting documents. Pursuant to points 67 and 68 of Regulation no. 60/10/2023, the explanations and documents attached to the hearing record of 24.07.2026 constitute circumstances taken into account when adopting the decision on the results of the control. Some of the aspects invoked during the hearing repeat the objections formulated previously, on which the control team has expressed itself in the Divergence Table. However, in order to respect art. 118 para. (1) of the Administrative Code, it is necessary to expose the CNPF's position on the arguments and evidence
presented additionally during the hearing, as well as to complete the position exposed regarding the objections already examined.

Therefore, taking into account the aspects and facts found in the process of control, reflected in the Control Act, as well as the objections presented by the participant, including during the hearing, the following are retained:

1. Non-compliance with the provisions of art. 15 para. (7) lit. b) of Law no. 202/2013,
   in the version in force until 25.10.2025, and of art. 15^1 para. (1) lit. b) of Law no. 202/2013 Out of the total of 309,609 records related to credit contracts presented, in the case of 973 contracts (annex no. 1 to the Control Act), a violation was found of the provisions of art. 15 para. (7) lit. b) of Law no. 202/2013 (in the version in force until 25.10.2025) and, respectively, of art. 15^1 para. (1) lit. b) of Law no. 202/2013 (in the version in force starting from 25.10.2025). In this context, the verification of compliance with the legal cap was carried out by reference to data communicated by OCN "EASY CREDIT" SRL, including regarding the value disbursed, the total payable value, the total credit value and calculated penalties. Subsequently, the participant communicated that, in the case of 13 credit contracts, upon data entry, in the fields intended for calculated and collected penalties, commissions related to the respective contracts were also included, although they were already included in the total payable value used for the calculation, thus being accounted for twice. Corrected data were presented in the annex to the explanations dated 24.07.2026. By explanations presented on 04.08.2026, the participant confirmed that, following repeated verification of the entire list of contracts, no additional cases of the same nature were identified. The explanations presented by the participant should be accepted. Consequently, the 13 credit contracts are excluded from the list of contracts regarding which a violation of art. 15 para. (7) lit. b) of Law no. 202/2013 (in the version in force until 25.10.2025) was found, as well as in the sense of art. 15^1 para. (1) lit. b) of Law no. 202/2013 (in the version in force starting from 25.10.2025). Therefore, the number of credit contracts regarding which a violation is found is reduced from 986 to 973, annexes no. 1, no. 2 and no. 3 to the Control Act being modified accordingly. Regarding the violation found, according to art. 15 para. (7) lit. b) of Law no. 202/2013 (in the version in force until 25.10.2025), "(7) It is prohibited:
   b) setting the total cost of the credit (which includes interest, commissions, taxes, penalties, late interest and any other type of payment) higher than the disbursed value according to the respective contract (or the entry value of the good in the financial leasing contract), credit which is not intended for the purchase, construction or renovation (modernization) of a home secured with real estate in order to ensure the payment obligation of the respective credit.". In the same sense, art. 15^1 para. (1) lit. b) of Law no. 202/2013 (in the version in force starting from 25.10.2025) provides that "(1) It is prohibited: b) setting the total cost of the credit, which includes interest, commissions, taxes, penalties and any other type of payments, higher than the disbursed value according to the respective contract or the financed value in the financial leasing contract – in the case of credit which is not intended for purchase,

construction or renovation (modernization) of a home secured with real estate in order to ensure the payment obligation of the respective credit.". From the content of the cited norms it results that the legal prohibition concerns the establishment of the total cost of the credit in an amount higher than the disbursed value according to the contract. In this case, both in the sense of art. 15 para. (7) lit. b) of Law no. 202/2013 (in the version in force until 25.10.2025) and in the sense of art. 15^1 para. (1) lit. b) of Law no. 202/2013 (in the version in force starting from date 25.10.2025), the concept of "total cost of the credit" is different from that in art. 3 of the same law, which includes interest, commissions, taxes, penalties and any other payments imposed on the consumer. Accordingly, in the sense of this decision, the concept of "total cost of the credit" will be used strictly in the sense of the aforementioned norms. Both versions operate with the notion of "establishment". According to the definition in Explanatory Dictionary of the Romanian Language (second revised and added edition) Romanian Academy, Institute of Linguistics, Univers Enciclopedic Gold Publishing House, 2009, the verb "a stabili" means "to fix, to decide, to provide expressly". Thus, the prohibition concerns the existence in the contract of contractual clauses based on which obligations may be imposed, or assumed, as the case may be, which, cumulatively, can lead to a total cost of the credit higher than the disbursed value according to the respective contract. From the perspective of the applicability of the cited norms, a detailed examination requires interpretation of the manner of application of the norm in relation to penalties. In this sense, it is retained that according to art. 992 para. (1) of the Civil Code, the contract is the agreement of will realized between two or more persons by which legal relationships are established, modified or extinguished. Based on the norms exposed, it follows that the assessment of exceeding the limit provided in art. 15 para. (7) lit. b) of Law no. 202/2013 (in the version in force until the date 25.10.2025) and respectively art. 15^1 para. (1) lit. b) of Law no. 202/2013 (in the version in force starting from 25.10.2025), involves a complex character determined distinctly in time depending on the moment of the effective birth of the obligation in relation to the debtor, moment when the premise of "establishment" materializes.
2. Regarding 254 credit contracts, the creditor notified consumers
regarding the waiver of amounts exceeding the cap provided by the norms examined, invoking the mechanism regulated at art. 15^1 para. (6) of Law no. 202/2013. For these contracts, verification was also carried out by reference to monetary obligations resulting from the application of reductions communicated through the respective notifications. Upon verification, it was found that, in the case of 180 of the 254 contracts, even after applying the reduction, the total cost of the credit remains higher than the disbursed value, because calculated penalties maintain the exceedance of the legal cap (annex no. 2 to the Control Act). In this context, regarding notification as a mechanism of conformity and of remedy, the mechanism provided for in art. 15^1 para. (6) of Law no. 202/2013 produces the legal effects established by law only in the case of an effective, definitive and unconditional waiver of amounts exceeding legal limits.

In the examined notifications, the creditor communicates the waiver of amounts exceeding the legal cap and the corresponding reduction of the consumer's obligations, however explicitly stating that the waiver operates "on condition of timely payment of all monetary obligations assumed". Such wording does not represent a definitive waiver, but a reduction conditioned by the subsequent conduct of the consumer. In the event of non-performance on time, penalties calculated according to the contract may determine a new exceedance of the legal cap. The creditor cannot simultaneously claim that the indicated sum represents the maximum limit owed by the consumer and that the waiver of the sum exceeding this limit depends on the punctual execution of the contract. Since the examined norms explicitly include penalties in the composition of the cost subject to the cap, the emergence of arrears cannot constitute grounds for non-application of the waiver. Nor can the argument be retained according to which the notification would eliminate fault and the occurrence of sanctioning consequences, pursuant to art. 15^1 para. (7) of Law no. 202/2013. The invoked legal effects presuppose a valid waiver in the sense of para. (6) of the same article, a condition not met in this case. The argument according to which the creditor could not know the future conduct of the debtor cannot be retained, the legal cap being required to be respected even in the hypothesis of delayed performance of contractual obligations.
3. Additionally, from the information presented by the participant it results that, out of the 973
credit contracts mentioned above, regarding 130 contracts there are definitive and irrevocable court judgments, by which disputes were resolved regarding the collection of debts resulting from the respective contracts, the contracts in case being indicated in annex no. 3 to the Control Act. At the same time, it was found that 3 contracts included in annex no. 3 to the Control Act, with no. [...], [...] and [...], are not found among the contracts regarding which violations were found, their inclusion constituting a technical error admitted in preparing the annex. Therefore, the number of contracts with violations found regarding which there are definitive and irrevocable court judgments from annex no. 3 to the Control Act is to be modified accordingly. According to art. 118 para. (3) of the Code of Civil Procedure, circumstances that have importance for the fair resolution of the cause are determined by the court starting from the claims and objections of the parties and other participants in the process. According to art. 240 para. (1) of the same code, during deliberation on the judgment, the court evaluates evidence, determines circumstances that have importance for the resolution of the cause and establishes which legal norm is to be applied, in relation to the cause submitted to adjudication. The cited norms confirm that judicial examination is carried out within the limits of the court's jurisdiction, determined by the claims and objections formulated by the parties, and art. 16 of the Code of Civil Procedure, which enshrines the mandatory character of court judgments, does not extend the object of adjudication to aspects that were not submitted to examination. The circumstance that, in some causes, counterclaims having as object the nullity of abusive clauses were examined and rejected attests to the contradictory character of the process, but does not equate to verification of compliance with the cap provided in art. 15 para. (7) lit. b) of Law no. 202/2013 (in the version in force until 25.10.2025), respectively at art. 15^1 para. (1) lit. b) of the same law. The abusive character of a contractual clause and compliance with the legal cap of the total cost of the credit constitute separate issues of law subject to their own criteria of appreciation, this not constituting the object of adjudication in the respective causes. In this context, the existence of definitive and irrevocable court judgments regarding the collection of debts resulting from the respective contracts does not exclude finding, within the present control, the conduct of the creditor by reference to respect for the imperative norms mentioned, to the extent that from the respective court judgments it does not result that the legality of establishing the total cost of credit by reference to the cap provided by these norms constituted the object of examination and resolution by the court. The finding made regarding these contracts has as exclusive object the conduct of the
creditor by reference to respect for the imperative norms mentioned and does not presume re-examination, modification or removal of the effects of court judgments pronounced in the cause. Therefore, the CNPF finding does not affect the authority of res judicata and does not call into question the payment obligations established by them. Consequently, the remedial measures ordered by this Decision do not apply to the credit contracts in annex no. 3 to the Control Act, which are retained exclusively for the purpose of finding the creditor's violation of the applicable imperative norms.
4. Regarding the fact that, in some civil disputes in which CNPF has the quality of
accessory intervener, the authority did not notify the court regarding the possible exceedance of the legal cap, it should be noted that the CNPF's position, within a such process, is formulated in relation to the object of the dispute and based on materials and evidence presented by the parties. Moreover, these do not allow in all cases the carrying out of a complete verification and formulation of a finding regarding compliance with all legal requirements applicable to the creditor's activity. Therefore, the fact that CNPF did not invoke, in a certain civil cause, the existence of a possible violation cannot be interpreted as confirmation of the legality of the creditor's conduct or as an expression of a definitive position of the authority regarding compliance with the legal cap. Finding such a violation, within the exercise of supervisory and control powers, requires an examination carried out within the limits of CNPF's competences and based on information and documents available to the authority.
5. Regarding the qualification of the summons to court as notification, according to art. 15^1
para. (6) of Law no. 202/2013, the creditor is entitled to notify the consumer regarding the reduction of monetary obligations, as a result of the waiver of amounts exceeding legal limits, without concluding an additional act. The norm establishes a conformity mechanism whose object is informing the consumer about the reduction of his own obligations and which presupposes an effective, definitive and unconditional waiver by the creditor of amounts set above the legal cap. The legal effects of the mechanism are therefore conditioned by the content of the manifestation of will, and not by the form in which it is expressed, the law not establishing a determined form of notification. According to art. 166 of the Code of Civil Procedure, the summons to court is the procedural act by which the plaintiff invests the court, indicating his claims, circumstances on which he bases his claims and evidence confirming them.

The Act expresses the extent of the claims submitted to the court in a specific dispute and is addressed to the court, not to the consumer.

Furthermore, according to Article 60(2) of the Civil Procedure Code, the reduction of the amount of claims and the waiver of the action constitute distinct procedural acts of disposition, subject to their own regime; however, neither of them produces, by itself, the extinguishment of the creditor's right to claim the remainder of the debt calculated on the basis of the contract.

Waiver of a right is not presumed and must result unequivocally from the manifestation of will of the holder. Determining, in the statement of claim, an amount of claims lower than that resulting from the application of contractual mechanisms reflects the procedural option of the creditor regarding the part of the debt subject to enforcement in a dispute, without including a waiver of sums exceeding the legal cap. Communicating a copy of the claim to the defendant, in accordance with procedural rules regarding citation and transmission of procedural documents, does not confer upon this act the nature of a notification within the meaning of Article 15(6) of Law No. 202/2013 and does not transform it into a manifestation of will to waive rights.

Furthermore, it is noted that the reduction of the amount requested from consumer debtors in statements of claim is carried out in light of contractual clauses concerning resolution and early maturity, but not on the basis of Article 15(6) of Law No. 202/2013.

6. Regarding the request for suspension of the administrative control procedure, according to point 20 subpoint 1) of Regulation No. 60/10/2023, "1) the conduct of the administrative control procedure and/or the adoption of the decision regarding the results of the control depend on an act, a preliminary operation, or a legal relationship that must be established by another public authority or form the object of another pending administrative or judicial procedure. The procedure shall be suspended until the issuance of the respective act, the performance of the respective preliminary operation, the establishment of the legal relationship, the completion of the administrative procedure, or until the issuance of a final judicial decision."

The norm establishes a right of the supervisory authority, not an obligation; the formulation "may be suspended" confers upon it the faculty to assess the appropriateness of the suspension. The exercise of this right presupposes the fulfillment of the condition of dependency provided by the norm, namely that the conduct of the control or the adoption of the decision on its results cannot be possible in the absence of the act, the preliminary operation, or the legal relationship that forms the object of the pending procedure.

That condition is not met in this case. Moreover, the establishment of the violation of Article 15(7)(b) of Law No. 202/2013 (in the version in force until 25.10.2025), respectively Article 15¹(1)(b) of the same law (in the version in force starting from 25.10.2025), is based on monetary obligations established by contractual clauses and agreed calculation mechanisms, elements which result from the documents and information presented by the participant and which can be assessed independently of the solutions to be pronounced in the invoked disputes. Therefore, the adoption of this Decision does not depend on the decisions of the courts.

7. Regarding the request for the exclusion of credit contract no. [...], following the re-examination of the materials related to it, including additional information presented by the participant during the administrative control procedure, it is established that credit contract no. [...] was previously the object of an administrative procedure carried out by the CNPF, concluded by the Order of the President of the CNPF No. 1140 of 30.10.2025, during which the creditor's claims were restricted to the disbursed amount. The procedure was concluded due to the admission of the request by the representative of the petitioner, who communicated that he no longer had claims against the creditor.

The fact that the legal relationship resulting from credit contract no. [...] was the object of an administrative procedure initiated on the basis of a petition does not prevent its examination within a control procedure. The two procedures have distinct objects, bases, and purposes: the procedure initiated on the basis of the petition had as its object the examination of claims formulated by a determined consumer, while the control procedure has as its object the verification of the participant's compliance with mandatory legal norms applicable to its activity.

Furthermore, the documents of the administrative procedure initiated on the basis of the petition do not show that the CNPF pronounced itself on the compliance with the legal cap subject to verification or that it established the conformity of the total cost of the credit related to contract no. [...] with the provisions of Law No. 202/2013. The conclusion of the procedure following the communication by the representative of the petitioner regarding the lack of claims against the creditor does not equate to an administrative finding regarding the legality of the creditor's conduct in terms of compliance with the legal cap.

Under these conditions, the examination of credit contract no. [...] within the control does not represent a double administrative assessment of the same issue, but the exercise of the supervisory and control powers of the CNPF regarding the compliance with mandatory norms applicable to the creditor's activity. Therefore, the finding made during the control regarding this contract should be maintained.

8. Regarding the legal regimes applicable before and after 25.10.2025, according to Article 51(2) of Law No. 100/2017 on normative acts, the name of the article succinctly expresses the subject of regulation of that article. The name of the article thus fulfills an identification function, without having its own normative significance and without being able to modify, restrict, or replace the provisions contained in the article. Consequently, the name of Article 15¹ of Law No. 202/2013 – "Measures to limit payments and restructuring measures" and the meaning attributed to the term "payments" cannot be opposed to the explicit normative content of paragraph (1)(b) of the same article, which prohibits establishing the total cost of the credit in an amount higher than the disbursed value according to the contract, and which has not undergone a modification in its essence, through the exposition in a new wording of the article for the purpose of optimizing the normative exposition.

Furthermore, the term "payments" cannot receive the meaning proposed by the participant. Payments due by the consumer within the credit relationship have their source in the contractual clauses and agreed calculation mechanisms, being established by them prior to and independently of their actual execution. The limitation of payments, referred to by the name of the article, is realized by limiting the amount in which they can be established against the consumer, such that the reference to the notion of "payments" does not shift the object of the prohibition from the establishment of the total cost of the credit to the actual collection or payment of sums.

According to Article 15(7)(b) of Law No. 202/2013 (in the version in force until 25.10.2025), respectively Article 15¹(1)(b) of Law No. 202/2013 (in the version in force starting from 25.10.2025), it is prohibited to establish the total cost of the credit, which includes interest, commissions, fees, penalties, and any other type of payments, in an amount higher than the disbursed value according to the contract. The norm operates with the term "establishment," not with the collection or payment of sums by the consumer; both wordings are identical in this regard. Compliance with the cap is therefore verified by reference to the monetary obligations established on the basis of the contract, including penalties calculated according to contractual clauses.

9. Regarding the determination of the total cost of the credit by the accounting document issued upon full payment, the CNPF reiterates that the prohibited act consists in the establishment of the total cost of the credit, in its extended meaning, and is consummated at the moment when, on the basis of contractual clauses and calculation mechanisms provided by them, the amount of monetary obligations placed on the consumer is determined.

Therefore, the verification of compliance with the legal cap is carried out by reference to the obligations thus established, and not at the moment when the sums become due or are actually paid by the consumer.

The "Closed" status of the contract does not modify the applicable legal regime. The execution and subsequent termination of the contractual relationship do not remove the violation produced at the moment of establishing the total cost of the credit, because the legal prohibition is not conditioned by the exigibility or actual payment of sums by the consumer. The fact that a contract has been fully executed attests to the extinguishment of contractual obligations, and not to the conformity of the amount in which they were established with the legal cap.

The accounting document issued upon full payment of the credit, as well as the written information transmitted to the debtor on this occasion, reflect the sums actually collected by the creditor, and not the amount of the total cost of the credit established on the basis of the contract, the latter constituting the object of verification. The accounting document may have probative relevance for determining the sums actually paid, but it does not modify or remove the finding regarding the amount of the total cost of the credit established previously on the basis of contractual clauses and applicable calculation mechanisms.

10. Regarding the maturity of costs and the imputation of execution, through the explanations dated 04.08.2026, the participant argued that the method applied includes costs that have not become due, that waiver can only operate on due costs, and that the solution retained contravenes the provisions of Articles 875 and 912 of the Civil Code, benefiting consumers who do not execute their obligations in good faith.

The argument starts from a premise that does not correspond to the content of the examined norms. The prohibition concerns the establishment of the total cost of the credit, and not the exigibility or collection of its components. Maturity determines the moment from which an obligation can be demanded for execution, without influencing the moment at which it was established and without modifying the amount determined by contractual mechanisms.

Article 875 of the Civil Code regulates the imputation of execution, namely the obligation to which an executed performance is attributed when the debtor owes several obligations of the same nature. The norm thus operates at the stage of execution and presupposes validly established obligations, without determining the maximum limit of costs that the creditor is entitled to establish according to Law No. 202/2013.

The order of imputation, whether legal or agreed by contract, cannot validate obligations established above the mandatory cap.

In the same sense, Article 912(1) of the Civil Code consecrates the creditor's right to obtain forced payment of money sums due that have become due. The norm concerns the realization of the claim, and not its formation, and does not derogate from the special norm of limitation.

The waiver mechanism provided for in Article 15¹(6) of Law No. 202/2013 is also not conditioned by the maturity of the sums. The object of the waiver consists of sums that exceed the limits provided for in paragraph (1) and/or paragraph (3) of Law No. 202/2013, regardless of their exigibility at the moment of waiver.

Regarding the support according to which the solution would benefit consumers who do not execute their obligations, it is retained that the examined norm has an imperative character and is instituted in the public interest, its application not being conditioned by the conduct of the debtor.

The legal defense means provided for in Article 901 of the Civil Code, including the creditor's right to apply penalties, remain at his disposal, their exercise being however circumscribed by the special norm. The consequence invoked by the participant does not result from the method applied by the control team, but from the legal effect, expressly provided for by the legislator, in the case of violation of the legal cap.

It is also retained that the verification was based on the amount of penalties calculated and reported by the participant, as reflected in its records, and not on the amount of penalties that could be claimed on the basis of contractual clauses.

Thus, in the sense of the above, on the basis of Article 1(1), Article 4(2)¹(c), Article 8(b) and (f)¹, Article 18(3), Article 20(1), (6) and (7) and Article 22(3) of Law No. 192/1998 on the National Financial Market Commission, Law No. 202/2013 on consumer credit contracts, the Administrative Code, the Regulation on the administrative control procedure (CNPF Decision No. 60/10/2023), points 16 and 19 of the Regulation on the organization and functioning of the National Financial Market Commission (CNPF Decision No. 57/11/2022),

The National Financial Market Commission DECIDES:

1. The Act regarding the results of the thematic control carried out within OCN "EASY CREDIT" SRL (Control Act) regarding the verification of compliance with the provisions of Article 15(7)(b) of Law No. 202/2013 on consumer credit contracts (in the version in force until 25.10.2025) and Article 15¹(1)(b) of Law No. 202/2013 on consumer credit contracts (Law No. 202/2013), in relation to credit contracts concluded in the period 01.01.2024 – 11.05.2026, is approved, with the following modifications:

1.1. In Chapter II "The Findings Part", point 1, the number "986" is replaced with the number "973";
1.2. Annexes No. 1, No. 2, and No. 3 to the Control Act are adjusted accordingly to the modifications mentioned in points 1 and 3 of the reasoning part of the Decision (Annex No. 1, Annex No. 2, and Annex No. 3 to the Control Act are attached).

2. The violation by OCN "EASY CREDIT" SRL of the provisions of Article 15(7)(b) of Law No. 202/2013, in the version in force until 25.10.2025, and Article 15¹(1)(b) of Law No. 202/2013, by establishing the total cost of the credit, which includes interest, commissions, fees, penalties, and any other type of payments, in an amount higher than the disbursed value according to the contract, is established, regarding 973 credit contracts, indicated in Annexes No. 1, No. 2, and No. 3 to the Control Act mentioned in point 1.

3. OCN "EASY CREDIT" SRL is prescribed, within 180 days, regarding the credit contracts listed in Annexes No. 1 and No. 2 to the Control Act mentioned in point 1, with the exception of contracts from Annex No. 3, to carry out, as applicable, the following actions/measures:
   3.1. The return of sums, collected in the form of interest, commissions, fees, penalties, late interest, or any other type of payment, paid by consumers, which exceed the value of the disbursed credit according to the respective contract;
   3.2. Notification of the debtors targeted in the credit contracts from the aforementioned annexes regarding the fact that the creditor has collected only the disbursed amount;

4. OCN "EASY CREDIT" SRL is recommended:
   4.1. To revise contractual clauses and calculation mechanisms for interest, commissions, fees, penalties, and other payments, so that the total cost of the credit established against the consumer does not exceed the disbursed value according to the contract, including in the case of delayed execution of contractual obligations by the debtor;
   4.2. To adjust the information system used for calculating the cost of the credit, so that compliance with the legal cap is ensured at the moment of determining and establishing monetary obligations against the consumer.

5. OCN "EASY CREDIT" SRL will inform the CNPF monthly about the measures taken to execute point 3 of the operative part of this Decision, attaching confirmatory documents.

6. Control over the execution of this Decision is placed under the responsibility of the Credits/Deposits Directorate within the Consumer Protection Supervision Department.

7. This Decision may be contested by filing a preliminary request to the CNPF (MD-2012, Chisinau, Stefan cel Mare si Sfant Blvd., No. 77), within 30 days from the date of communication.

8. This Decision enters into force on the date of adoption, is communicated to recipients according to legislation, and is published on the official website of the CNPF (www.cnpf.md).

Dumitru BUDIANSCHI,
PRESIDENT

Order No.	Credit Contract No.	Date of Conclusion of Credit Contract
1	084068706	03.03.2026
2	084073018	02.03.2026
3	084119836	18.02.2026
4	084176515	06.02.2026
5	084194695	03.02.2026
6	084195245	03.02.2026
7	084196757	02.02.2026
8	84198890	02.02.2026
9	084205944	30.01.2026
10	084214721	28.01.2026
11	084218890	27.01.2026
12	084227621	24.01.2026
13	084230984	23.01.2026
14	084236773	21.01.2026
15	084256062	17.01.2026
16	084266297	15.01.2026
17	084277007	13.01.2026
18	084289212	11.01.2026
19	084290387	11.01.2026
20	084292033	10.01.2026
21	084296284	09.01.2026
22	084317078	05.01.2026
23	084335119	30.12.2025
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608 085747669 09.02.2025
609 085748362 09.02.2025
610 085749109 08.02.2025

611 085749379 08.02.2025
612 085749865 08.02.2025
613 085753401 07.02.2025
614 085755071 07.02.2025
615 085757465 06.02.2025
616 085759255 06.02.2025
617 085759367 06.02.2025
618 085764175 06.02.2025
619 085766120 05.02.2025
620 085766564 05.02.2025
621 085771568 04.02.2025
622 085771602 04.02.2025
623 085772930 04.02.2025
624 085775678 04.02.2025
625 085777519 03.02.2025
626 085777862 03.02.2025
627 085779591 03.02.2025
628 085779704 03.02.2025
629 085785338 01.02.2025
630 085785652 01.02.2025
631 085787110 31.01.2025
632 085787568 31.01.2025
633 085788254 31.01.2025
634 085788657 31.01.2025
635 085788749 31.01.2025
636 085790953 30.01.2025
637 085791202 30.01.2025
638 085796825 28.01.2025
639 085797741 28.01.2025
640 085806902 25.01.2025
641 085807040 25.01.2025
642 085807148 25.01.2025
643 085810118 24.01.2025
644 085813669 23.01.2025
645 085815823 23.01.2025
646 085819038 22.01.2025
647 085820040 22.01.2025
648 085820887 22.01.2025
649 085841035 17.01.2025
650 085844599 17.01.2025
651 085845324 17.01.2025
652 085847377 16.01.2025
653 085848515 16.01.2025
654 085850904 16.01.2025
655 085853320 15.01.2025
656 085855549 15.01.2025
657 085855769 15.01.2025
658 085860295 14.01.2025

659 085869409 13.01.2025
660 085869889 13.01.2025
661 085870477 13.01.2025
662 085871365 12.01.2025
663 085873098 11.01.2025
664 085873639 11.01.2025
665 085874097 11.01.2025
666 085880432 10.01.2025
667 085883271 10.01.2025
668 085884237 10.01.2025
669 085885145 09.01.2025
670 085886373 09.01.2025
671 085887626 09.01.2025
672 085894991 06.01.2025
673 085900036 06.01.2025
674 085900136 05.01.2025
675 085907263 03.01.2025
676 085907545 03.01.2025
677 085907801 03.01.2025
678 085908034 03.01.2025
679 085908262 03.01.2025
680 085909923 03.01.2025
681 085913898 02.01.2025
682 085914858 02.01.2025
683 085915133 02.01.2025
684 085915667 02.01.2025
685 085916437 02.01.2025
686 085916496 02.01.2025
687 085918596 31.12.2024
688 085920439 31.12.2024
689 085924094 30.12.2024
690 085927100 29.12.2024
691 085934736 27.12.2024
692 085937319 27.12.2024
693 085945755 26.12.2024
694 085947526 24.12.2024
695 085949542 24.12.2024
696 085950273 23.12.2024
697 085952939 23.12.2024
698 085966615 27.12.2024
699 085975530 17.12.2024
700 085975857 18.12.2024
701 085976537 18.12.2024
702 085978002 17.12.2024
703 085978277 17.12.2024
704 085978337 17.12.2024
705 085982633 16.12.2024
706 085982895 16.12.2024

707 085985458 16.12.2024
708 085996323 13.12.2024
709 085997223 13.12.2024
710 085998956 12.12.2024
711 085999628 12.12.2024
712 086012923 10.12.2024
713 086018075 10.12.2024
714 086018379 09.12.2024
715 086018607 09.12.2024
716 086020382 09.12.2024
717 086026095 07.12.2024
718 086030554 06.12.2024
719 086036061 05.12.2024
720 086039567 05.12.2024
721 086041189 04.12.2024
722 086042803 04.12.2024
723 086046803 04.12.2024
724 086050694 03.12.2024
725 086051339 03.12.2024
726 086054294 02.12.2024
727 086054580 02.12.2024
728 086055587 02.12.2024
729 086055998 02.12.2024
730 086056065 03.12.2024
731 086057129 02.12.2024
732 086063782 29.11.2024
733 086072067 27.11.2024
734 086080083 25.11.2024
735 086085162 23.11.2024
736 086087711 22.11.2024
737 086088532 22.11.2024
738 086088612 22.11.2024
739 086092174 21.11.2024
740 086096721 20.11.2024
741 086103960 19.11.2024
742 086109127 18.11.2024
743 086114177 16.11.2024
744 086114866 16.11.2024
745 086120071 15.11.2024
746 086122905 15.11.2024
747 086126412 14.11.2024
748 086130263 13.11.2024
749 086134983 12.11.2024
750 086136496 12.11.2024
751 086136578 12.11.2024
752 086137177 12.11.2024
753 086137267 12.11.2024
754 086140823 11.11.2024

755 086141101 11.11.2024
756 086142263 11.11.2024
757 086149600 09.11.2024
758 086155174 08.11.2024
759 086155978 08.11.2024
760 086162047 07.11.2024
761 086164284 06.11.2024
762 086169689 06.11.2024
763 086172105 05.11.2024
764 086172453 05.11.2024
765 086173464 08.11.2024
766 086173894 05.11.2024
767 086174377 05.11.2024
768 086179754 04.11.2024
769 086180590 04.11.2024
770 086183811 02.11.2024
771 086188181 01.11.2024
772 086188333 01.11.2024
773 086188603 01.11.2024
774 086189605 01.11.2024
775 086196316 30.10.2024
776 086196513 30.10.2024
777 086207708 26.10.2024
778 086210787 25.10.2024
779 086215924 24.10.2024
780 086218290 23.10.2024
781 086218467 23.10.2024
782 086219482 23.10.2024
783 086220525 23.10.2024
784 086221861 22.10.2024
785 086222654 22.10.2024
786 086223589 22.10.2024
787 086225085 22.10.2024
788 086229775 21.10.2024
789 086231622 20.10.2024
790 086236417 18.10.2024
791 086237856 18.10.2024
792 086242289 17.10.2024
793 086246416 16.10.2024
794 086250829 16.10.2024
795 086255569 15.10.2024
796 086256820 15.10.2024
797 086262046 14.10.2024
798 086262731 14.10.2024
799 086268980 11.10.2024
800 086275064 11.10.2024
801 086276833 10.10.2024
802 086288063 08.10.2024

803 086288113 08.10.2024
804 086292219 10.10.2024
805 086294444 07.10.2024
806 086295204 07.10.2024
807 086316982 02.10.2024
808 086317202 02.10.2024
809 086319601 02.10.2024
810 086324548 01.10.2024
811 086330463 30.09.2024
812 086333450 28.09.2024
813 086352769 23.09.2024
814 086370047 18.09.2024
815 086374578 17.09.2024
816 086377323 17.09.2024
817 086391707 13.09.2024
818 086398909 12.09.2024
819 086403598 11.09.2024
820 086411344 10.09.2024
821 086416969 09.09.2024
822 086421459 08.09.2024
823 086428100 06.09.2024
824 086428538 06.09.2024
825 086438241 04.09.2024
826 086438883 04.09.2024
827 086439648 04.09.2024
828 086446761 03.09.2024
829 086451680 02.09.2024
830 086462009 30.08.2024
831 086463608 29.08.2024
832 086471435 27.08.2024
833 086475843 26.08.2024
834 086481021 24.08.2024
835 086487555 22.08.2024
836 086491888 21.08.2024
837 086494218 21.08.2024
838 086495644 20.08.2024
839 086499989 20.08.2024
840 086512730 16.08.2024
841 086516236 15.08.2024
842 086518805 15.08.2024
843 086520584 15.08.2024
844 086527581 13.08.2024
845 086538041 12.08.2024
846 086541284 10.08.2024
847 086545796 09.08.2024
848 086549268 09.08.2024
849 086558851 07.08.2024
850 086562159 06.08.2024

851 086568605 05.08.2024
852 086568631 05.08.2024
853 086574831 03.08.2024
854 086575370 03.08.2024
855 086579558 02.08.2024
856 086588651 31.07.2024
857 086589717 31.07.2024
858 086597235 30.07.2024
859 086603973 27.07.2024
860 086604802 26.07.2024
861 086618230 23.07.2024
862 086619599 23.07.2024
863 086624023 22.07.2024
864 086634003 19.07.2024
865 086636426 18.07.2024
866 086653941 15.07.2024
867 086657735 14.07.2024
868 086664980 12.07.2024
869 086670574 11.07.2024
870 086675127 10.07.2024
871 086682651 09.07.2024
872 086693092 06.07.2024
873 086703765 04.07.2024
874 086705529 04.07.2024
875 086706024 04.07.2024
876 086709776 03.07.2024
877 086710100 03.07.2024
878 086713217 03.07.2024
879 086716691 02.07.2024
880 086719917 02.07.2024
881 086728855 29.06.2024
882 086732001 28.06.2024
883 086748881 24.06.2024
884 086752295 24.06.2024
885 086756388 21.06.2024
886 086785200 15.06.2024
887 086796698 13.06.2024
888 086797253 13.06.2024
889 086819048 09.06.2024
890 086822679 08.06.2024
891 086827810 07.06.2024
892 086832685 06.06.2024
893 086844764 04.06.2024
894 086847443 04.06.2024
895 086854523 03.06.2024
896 086859298 31.05.2024
897 086884302 24.05.2024
898 086885620 24.05.2024

899 086888027 23.05.2024
900 086893845 22.05.2024
901 086924978 16.05.2024
902 086925620 16.05.2024
903 086929086 15.05.2024
904 086933682 15.05.2024
905 086948236 11.05.2024
906 086961753 08.05.2024
907 086966739 08.05.2024
908 086972126 07.05.2024
909 086972677 07.05.2024
910 086986305 03.05.2024
911 086999530 30.04.2024
912 087001700 30.04.2024
913 087002603 30.04.2024
914 087005180 29.04.2024
915 087013062 26.04.2024
916 087021122 24.04.2024
917 087022404 24.04.2024
918 087022579 24.04.2024
919 087027592 23.04.2024
920 087027667 23.04.2024
921 087040111 19.04.2024
922 087042422 19.04.2024
923 087044591 18.04.2024
924 087048264 18.04.2024
925 087079802 11.04.2024
926 087086688 10.04.2024
927 087088315 10.04.2024
928 087100207 08.04.2024
929 087111526 05.04.2024
930 087122388 03.04.2024
931 087124704 03.04.2024
932 087127355 03.04.2024
933 087155736 26.03.2024
934 087156649 26.03.2024
935 087171884 21.03.2024
936 087219024 12.03.2024
937 087225465 11.03.2024
938 087237287 08.03.2024
939 087243613 07.03.2024
940 087248874 06.03.2024
941 087251188 06.03.2024
942 087261663 05.03.2024
943 087267209 04.03.2024
944 087272805 02.03.2024
945 087276108 01.03.2024
946 087282185 29.02.2024

947 087286408 28.02.2024
948 087287918 28.02.2024
949 087290274 27.02.2024
950 087296826 26.02.2024
951 087319364 20.02.2024
952 087325081 19.02.2024
953 087330589 17.02.2024
954 087347940 14.02.2024
955 087368915 10.02.2024
956 087370127 10.02.2024
957 087375398 09.02.2024
958 087388251 07.02.2024
959 087396354 06.02.2024
960 087414207 01.02.2024
961 087414744 01.02.2024
962 087440904 25.01.2024
963 087456090 22.01.2024
964 087473224 19.01.2024
965 087475517 17.01.2024
966 087477183 17.01.2024
967 087491229 15.01.2024
968 087502638 12.01.2024
969 087521965 09.01.2024
970 087538898 05.01.2024
971 087544022 04.01.2024
972 087550204 03.01.2024
973 087553647 03.01.2024

Nr. de ordine Nr. contractului de credit Data incheierii contractului de credit 1 084176515 06.02.2026 2 84198890 02.02.2026 3 084205944 30.01.2026 4 084461993 03.12.2025 5 084482247 27.11.2025 6 084521516 17.11.2025 7 084584720 04.11.2025 8 084715046 03.10.2025 9 084820926 09.09.2025 10 084827055 08.09.2025 11 084829723 06.09.2025 12 084840014 04.09.2025 13 084840256 04.09.2025 14 084841687 04.09.2025 15 084842590 04.09.2025 16 084848625 03.09.2025 17 084856080 02.09.2025 18 084856111 02.09.2025 19 084868023 29.08.2025 20 084869254 29.08.2025 21 084872030 28.08.2025 22 084875049 27.08.2025 23 084876712 26.08.2025 24 084877222 26.08.2025 25 84886917 23.08.2025 26 084891277 22.08.2025 27 084905854 19.08.2025 28 084906280 19.08.2025 29 084910597 18.08.2025 30 084917994 15.08.2025 31 084927160 14.08.2025 32 084936960 12.08.2025 33 084938442 12.08.2025 34 084943946 11.08.2025 35 084950567 09.08.2025 36 084960732 07.08.2025 37 084961472 07.08.2025 38 084965462 06.08.2025 39 084985173 02.08.2025 40 084991763 31.07.2025 41 084992051 31.07.2025 42 084993661 31.07.2025

43 084993960 31.07.2025
44 085003947 28.07.2025
45 085004116 28.07.2025
46 085004624 28.07.2025
47 085008827 26.07.2025
48 085011732 25.07.2025
49 085011918 25.07.2025
50 085015474 24.07.2025
51 085015932 24.07.2025
52 085016203 24.07.2025
53 085022694 22.07.2025
54 085023744 22.07.2025
55 085033179 19.07.2025
56 085040019 17.07.2025
57 085046140 16.07.2025
58 085047264 16.07.2025
59 085053020 15.07.2025
60 085054356 15.07.2025
61 085058623 14.07.2025
62 085069710 11.07.2025
63 085083587 09.07.2025
64 085084365 08.07.2025
65 085087183 08.07.2025
66 085091424 07.07.2025
67 085102381 04.07.2025
68 085103083 04.07.2025
69 085106108 04.07.2025
70 085116957 02.07.2025
71 085122837 01.07.2025
72 085130773 28.06.2025
73 085145130 24.06.2025
74 085145465 24.06.2025
75 085153522 22.06.2025
76 085162023 19.06.2025
77 085179986 16.06.2025
78 085180535 16.06.2025
79 085200088 11.06.2025
80 085206182 10.06.2025
81 085207058 10.06.2025
82 085209175 10.06.2025
83 085209538 10.06.2025
84 085214248 09.06.2025
85 085214268 09.06.2025
86 085215562 09.06.2025
87 085231465 05.06.2025
88 085231607 05.06.2025
89 085236207 04.06.2025
90 085245390 03.06.2025

91 085250331 02.06.2025
92 085250552 02.06.2025
93 085251070 02.06.2025
94 085258400 30.05.2025
95 085306769 17.05.2025
96 085310721 16.05.2025
97 085339322 12.05.2025
98 085351450 08.05.2025
99 085360314 07.05.2025
100 085369325 06.05.2025
101 085372589 05.05.2025
102 085385470 02.05.2025
103 085385929 02.05.2025
104 085399180 29.04.2025
105 085410861 02.05.2025
106 085447859 15.04.2025
107 085454969 14.04.2025
108 085479410 09.04.2025
109 085489982 07.04.2025
110 085518893 01.04.2025
111 085519743 01.04.2025
112 085521782 01.04.2025
113 085554648 21.03.2025
114 085588711 14.03.2025
115 085594360 13.03.2025
116 085605401 11.03.2025
117 085607949 10.03.2025
118 085628589 06.03.2025
119 085637772 05.03.2025
120 085651568 03.03.2025
121 085659275 28.02.2025
122 085673629 25.02.2025
123 085688017 21.02.2025
124 085694769 19.02.2025
125 085718676 14.02.2025
126 085749379 08.02.2025
127 085755071 07.02.2025
128 085766120 05.02.2025
129 085775678 04.02.2025
130 085788657 31.01.2025
131 085790953 30.01.2025
132 085844599 17.01.2025
133 085845324 17.01.2025
134 085850904 16.01.2025
135 085871365 12.01.2025
136 085874097 11.01.2025
137 085885145 09.01.2025
138 085908262 03.01.2025

139 086039567 05.12.2024
140 086046803 04.12.2024
141 086050694 03.12.2024
142 086054580 02.12.2024
143 086114866 16.11.2024
144 086122905 15.11.2024
145 086134983 12.11.2024
146 086136496 12.11.2024
147 086136578 12.11.2024
148 086172105 05.11.2024
149 086172453 05.11.2024
150 086173894 05.11.2024
151 086179754 04.11.2024
152 086188181 01.11.2024
153 086219482 23.10.2024
154 086288063 08.10.2024
155 086295204 07.10.2024
156 086317202 02.10.2024
157 086446761 03.09.2024
158 086520584 15.08.2024
159 086538041 12.08.2024
160 086541284 10.08.2024
161 086562159 06.08.2024
162 086575370 03.08.2024
163 086653941 15.07.2024
164 086675127 10.07.2024
165 086693092 06.07.2024
166 086709776 03.07.2024
167 086728855 29.06.2024
168 086732001 28.06.2024
169 086854523 03.06.2024
170 086948236 11.05.2024
171 086999530 30.04.2024
172 087005180 29.04.2024
173 087027592 23.04.2024
174 087027667 23.04.2024
175 087079802 11.04.2024
176 087086688 10.04.2024
177 087155736 26.03.2024
178 087248874 06.03.2024
179 087251188 06.03.2024
180 087502638 12.01.2024

Nr. de ordine	Nr. contractului de credit	Data incheierii contractului de credit
1	084846111	03.09.2025
2	084853848	02.09.2025
3	084883266	25.08.2025
4	084967604	06.08.2025
5	084988776	01.08.2025
6	084992051	31.07.2025
7	085014296	24.07.2025
8	085023370	22.07.2025
9	085058940	14.07.2025
10	085081936	09.07.2025
11	085090632	07.07.2025
12	085109300	03.07.2025
13	085138972	26.06.2025
14	085147264	24.06.2025
15	085157325	20.06.2025
16	085162796	19.06.2025
17	085167019	18.06.2025
18	085209310	10.06.2025
19	085232352	05.06.2025
20	085265787	28.05.2025
21	085266249	28.05.2025
22	085328126	13.05.2025
23	085333534	12.05.2025
24	085386165	02.05.2025
25	085388404	01.05.2025
26	085396955	29.04.2025
27	085397684	29.04.2025
28	085407433	25.04.2025
29	085427309	19.04.2025
30	085432771	18.04.2025
31	085443182	16.04.2025
32	085477332	09.04.2025
33	085489083	07.04.2025
34	085530568	28.03.2025
35	085537615	26.03.2025
36	085554933	21.03.2025
37	085575463	17.03.2025
38	085585417	14.03.2025
39	085592008	13.03.2025
40	085602748	11.03.2025
41	085610923	10.03.2025
42	085618983	08.03.2025
43	085628015	06.03.2025
44	085631058	06.03.2025
45	085661108	28.02.2025
46	085667983	26.02.2025
47	085678079	24.02.2025
48	085697067	19.02.2025
49	085706706	17.02.2025
50	085716856	14.02.2025
51	085723257	13.02.2025
52	085734233	11.02.2025
53	085736050	11.02.2025
54	085737488	11.02.2025
55	085749865	08.02.2025
56	085766564	05.02.2025
57	085771568	04.02.2025
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