Regulatory Alerts2025-12-24 | 61/2Added · Updated
Decision No. 61/2 of 24 December 2025 on the Preliminary Application Submitted by OCN OK CREDIT SRL Against CNPF Decision No. 51/1
The National Financial Market Commission (CNPF) issued Decision No. 61/2 rejecting the preliminary application filed by OCN OK CREDIT SRL against its prior Decision No. 51/1, which had found the lender in violation of consumer credit regulations. The Commission ruled that the daily cap on non-interest payments applies to all consumer credit contracts, including those for housing construction, and that the lender's method of amortizing fees over the loan term was legally invalid. Furthermore, the decision affirmed that mandatory statutory remedies for excessive costs cannot be overridden by subsequent private settlement agreements between the creditor and consumer.
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