Instruction No. 19/2024

Instruction No. 19/2024

Summary Determines the calculation and periodic disclosure of the maximum limits for the Annual Total Cost of Credit (TAEG) to be observed in the conclusion of consumer credit contracts. Revokes Instruction No. 14/2013.

Status In force

Official Journal 12/2024 2nd Supplement

Enabling Law Law No. 5/98, of January 31, art. 17, para. 1; Decree-Law No. 133/2009, of June 2, art. 28, para. 3

Descriptors Contract, Consumer Credit, Information Provision, Supervision, Behavioral Supervision, Annual Total Cost of Credit (TAEG)

Publication Date 20-12-2024

Disclosure Date 20-12-2024

Entry into Force Date 01-04-2025

Recipient Type Credit Institutions, Finance Companies

Recipients Banks, Central Credit Agricultural Mutual Fund, Agricultural Credit Mutual Funds, Agricultural Credit Mutual Funds (not belonging to SICAM), Savings Banks, Mortgage Credit Institutions, Credit Finance Companies, Factoring Companies, Mutual Guarantee Companies, Investment Companies, Finance Lease Companies, Finance Companies

Theme :: Subtheme Behavioral Supervision

Instructions Amended/Revoked Instruction No. 14/2013

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