Regulatory Alerts2026-07-13 | 38/1Added · Updated
Decision on the Preliminary Request Submitted by Mr. Ion Bălanuță Regarding the Cancellation of CNPF Letter No. 05-5/2982 of 13.07.2026
The National Financial Market Commission (CNPF) modifies its Letter No. 05-5/2982 by removing the phrase regarding the creditor's failure to meet the legal examination deadline, while rejecting the preliminary request filed by Mr. Ion Bălanuță on behalf of the debtor. The decision establishes that the debtor's request for a loan contract copy did not constitute a formal consumer complaint under Law No. 192/1998, meaning the 15-day statutory response period and associated tacit refusal provisions did not apply to the creditor, AEÎ "Economprosper". Consequently, the CNPF upholds the substantive conclusions of its original letter concerning the clarification of circumstances and the creditor's response, despite correcting the legal basis for the timeline assessment.
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