Regulatory Alerts2026-03-17
Added · Updated
In 2025, CNPF Ordered the Review of Over 3,000 Credit Contracts in Favor of Consumers and Implemented New Financial Market Protection Standards
The National Commission of the Financial Market (CNPF) issued a 2025 regulatory report detailing enforcement actions that ordered refunds for over 3,000 credit contracts, imposed fines totaling over 233,500 lei on banks, insurers, and exchange offices, and resolved 914 consumer complaints across lending, insurance, and payment sectors. The authority implemented a new European-aligned consumer protection framework effective October 25, 2025, introducing stricter transparency rules, mandatory claim re-examinations, enhanced credit restructuring policies, and standardized complaint procedures. Concurrently, CNPF expanded financial literacy initiatives and crypto-asset supervision training while preparing new mortgage legislation to further mitigate over-indebtedness risks and strengthen market trust.