Methodological Guidance of the Financial Market Supervision Departments of the National Bank of Slovakia of 6 July 2026 No. 5/2026 on Submitting Applications for Permission to Provide Consumer Credit

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_________________________________________________________________________________________ Methodological Guidance of the Financial Market Supervision Departments of the National Bank of Slovakia of 6 July 2026 No. 5/2026 on Submitting Applications for Permission to Provide Consumer Credit

The National Bank of Slovakia, Financial Market Supervision Departments (hereinafter referred to as "NBS"), pursuant to Section 1(3)(a)(3) and Section 2(9) of Act No. 747/2004 Coll. on Supervision over the Financial Market and Amending Certain Acts as amended and supplemented (hereinafter referred to as the "Supervision Act") in conjunction with Act No. 312/2025 Coll. on Consumer Credit and Other Loans and Credit Facilities for Consumers and Amending and Supplementing Certain Acts (hereinafter referred to as the "Consumer Credit Act"), issues this methodological guidance:

PART I
GENERAL PROVISIONS

Article 1
Purpose and Scope of Application
(1) The purpose of this methodological guidance is to provide the applicant for permission (hereinafter referred to as the "applicant") with information on submitting an application for permission to provide consumer credit (hereinafter collectively referred to as the "application" and "permission") pursuant to Section 25 in conjunction with Sections 26, 27 and 28 of the Consumer Credit Act. (2) This methodological guidance specifies the scope of information and documents that must be submitted to the NBS to demonstrate compliance with the conditions for granting permission. This methodological guidance does not contain an exhaustive list of facts that the NBS takes into account in the process of assessing compliance with the conditions for granting permission; the NBS decides in each individual case based on specific circumstances, evaluating evidence at its free discretion, evaluating each piece of evidence individually and all evidence in their mutual context; at the same time, it carefully takes into account everything that emerged during the proceedings. In an individual case, the NBS may also require the submission of further documents, or may allow proof of compliance with the conditions established by the Consumer Credit Act by other documents that are sufficient to prove the relevant fact. This does not affect the applicant's obligation to submit the attachments established by the Consumer Credit Act. If the applicant does not include certain data in the application or does not attach certain attachments established by the Consumer Credit Act or this methodological guidance because the relevant requirement does not apply to them, this fact must be adequately clarified.

Article 2
Definitions
Unless otherwise explicitly provided in this methodological guidance, all terms used in this methodological guidance are used in the meaning of terms defined in the Supervision Act, the Consumer Credit Act and other generally binding legal regulations relating to creditors and the provision of loans to consumers1).
1) For example, Act No. 311/2025 Coll. on the Protection of Consumers in Financial Services at a Distance and Amending Certain Acts, Act No. 147/2001 Coll. on Advertising and Amending Certain Acts as amended and supplemented, Act No. 108/2024 Coll. on Consumer Protection and Amending Certain Acts as amended and supplemented, Act No. 297/2008 Coll. on the Protection against the Legalization of Proceeds from Criminal Activity and on the Protection against the Financing of Terrorism and Amending Certain Acts as amended and supplemented, Act No. 90/2016 Coll. on Housing Loans and Amending Certain Acts as amended and supplemented.

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PART II
PROCEDURES FOR GRANTING PERMISSION

Article 1
(1) The NBS grants permission to provide consumer credit:

1. for a creditor under Section 25(1)(a) of the Consumer Credit Act without restriction on the scope of providing consumer credit,
2. for a creditor under Section 25(1)(b) of the Consumer Credit Act in a restricted scope of providing consumer credit, which is
   2.1. a legal person,
   2.2. a natural person,
3. for a creditor under Section 25(1)(c) of the Consumer Credit Act, who provides consumer credit within the scope defined in Section 28 of this Act.
   (2) Permission is non-transferable to another natural person or legal person and does not pass to a legal successor.
   (3) Proceedings for the granting of permission (hereinafter referred to as "proceedings") before the NBS are governed by the provisions of the Supervision Act, unless the Consumer Credit Act provides otherwise.
   (4) Proceedings are initiated on the basis of a written proposal by the applicant and must contain the requirements set out in the Supervision Act (hereinafter also referred to as the "application"), in particular:
   a) trade name, registered office and identification number of the applicant, if assigned, if it is a legal person, and name, surname, birth number, place of business and address of permanent residence and identification number of the applicant, if assigned, if it is a natural person; if a natural person does not have an assigned birth number, their date of birth shall be stated, b) number and sign of the applicant's entry in the Commercial Register, c) email address of the applicant, d) designation of what is requested by the application, e) declaration of completeness, accuracy, truthfulness, authenticity and currency of the submitted application including its attachments, whereby the applicant is responsible for the truthfulness of this declaration, f) date and place of preparation of the application and the officially certified signature of the applicant, their statutory body or another person authorized to act on their behalf, g) designation of all evidence on which the applicant relies, i.e., attachments by which the applicant proves compliance with the conditions established by law, and h) legally prescribed attachments, i.e., originals or officially certified copies of documents necessary for the NBS to decide in the proceedings, and originals or officially certified copies of documents that credibly prove and document compliance with the prerequisites and conditions that must be met for the granting of permission.

Article 2
General Provisions on the Application
(1) The application is submitted in written form by post or in person, and the NBS department competent for proceedings and decision-making in the first instance is the Financial Market Supervision Department, Consumer Protection and Supervision Section.
(2) The application must also contain the requirements established alternatively according to the type of permission in Section 26(3), Section 27(4) or Section 28(4) of the Consumer Credit Act.

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_________________________________________________________________________________________ (3) It must be clear from the application what is requested by it, and all relevant facts concerning the applicant and the conditions for granting permission must be truthfully described in it, and the evidence proving compliance with the conditions for granting permission established by the Consumer Credit Act on which the applicant relies must be designated. The application must also designate other persons than the applicant without the consent of the affected persons, if so provided by the Consumer Credit Act or the Supervision Act. (4) The applicant must be designated precisely and completely in the application; if the applicant is represented or acts on their behalf by a person other than the applicant, the designation of the person submitting the application must clearly show and prove their relationship to the applicant; a) if a legal person acts through its statutory body or proxy, the authorized person must act in a manner published in an extract from the Commercial Register or another official register, or in a manner proven by another legally relevant document (e.g., articles of association), or in a manner established by legal regulation, b) an employee of the applicant proves their authority to act on behalf of the legal person by a written authorization signed by the statutory body of the legal person; the authenticity of the signature of the statutory body on the authorization must be officially certified, c) if another person - a representative - acts on behalf of the applicant, they prove their relationship to the applicant by a power of attorney. The power of attorney must contain a precise and complete designation of the principal and the agent, the scope and possibly also the time limit of the agent's authority to act before the NBS and the expression of consent/acceptance of the power of attorney by the agent. The agent may grant a power of attorney to represent the applicant to another person (substitute), only if explicitly authorized to do so in the power of attorney. The power of attorney must be prepared in the state language or translated into the state language with an officially certified translation, and the signature of the principal attached to it must be officially certified. If the official certification of the authenticity of the signature was performed by a foreign person, their authority must be certified by higher legalization (superlegalization), which is performed by the diplomatic or consular representation of the Slovak Republic in the relevant state, except in cases where the document was certified by an Apostille clause by an official person in a signatory state of the Convention of 5 October 1961 Abolishing the Requirement of Legalisation for Foreign Public Documents, or if superlegalization or Apostille certification is not required according to an international treaty by which the Slovak Republic is bound, or
according to Regulation (EU) 2016/1191 on public documents, which eliminated the administrative burden for citizens related to apostille or obtaining certified translations of certain public documents. In accordance with this Regulation, an extract from the criminal records register, if a person has no entry in the register, does not require Apostille certification. Upon request, the register issues a multilingual standard form with columns in Slovak and in the given language, i.e., in this case, an official translation is not required. (5) The attachments to the application must be documents established by the Consumer Credit Act and other documents necessary for the NBS to decide, which credibly prove and document compliance with the conditions for granting permission by the applicant. If a specific law prescribes a specific form of the document for proving a fact or performing a legal act, the applicant is obliged to submit the document in such form (e.g., public document, notarial deed). The NBS may, if appropriate for reasons of economy, upon written request by the applicant, waive the submission of the attachment to the application in written form and allow its submission in electronic form on a durable medium as defined in Section 2(k) of the Consumer Credit Act, which allows the reproduction of stored information in an unchanged state. (6) If some documents that are attachments to the application have already been submitted to the NBS and remain fully current and continue to meet the requirements established by law, the applicant may replace them with a list of already submitted documents, indicating the date of submission of each document to the NBS, as provided in the Supervision Act, which they include in the application. The NBS recommends including in the list the case number to which the individual documents were submitted. (7) The application and its attachments must be submitted in original or as officially certified copies or extracts; they must be prepared in the state language. If any attachment is prepared in a language other than the state language, an officially certified translation into the state language must be submitted together with the respective attachment. The NBS may, upon request by the applicant, waive the submission of an officially certified translation of technical documentation or other attachments to the application into the state language, if permitted by special legal regulation and if it concerns technical documentation or other attachments prepared in the Czech language or in a language commonly used in the field of international finance; however, the NBS is entitled to subsequently request the applicant to submit an officially certified translation of the respective technical documentation or other attachment into the state language. (8) A proof of payment of the fee according to the Supervision Act for the relevant act of the NBS in accordance with Measure No. 5/2021 of the National Bank of Slovakia on
Fees for Acts of the National Bank of Slovakia in force at the time of submission of the application must be attached to the application.

PART III
CONDITIONS FOR GRANTING PERMISSION

Article 1
Permission without Restriction on the Scope of Providing Consumer Credit (1) An applicant for permission to provide consumer credit without restriction on the scope of providing consumer credit under Section 25(1)(a) of the Consumer Credit Act (hereinafter referred to as "applicant for permission without restriction") must, pursuant to Section 26(1) and (2) of the Consumer Credit Act, demonstrate compliance with the following conditions:
a) legal form of a joint-stock company, simple joint-stock company, limited liability company or European Company at least in the stage of establishment of the company for the purpose of its entry into the Commercial Register in such legal form; if it is an applicant who is a creditor from another Member State after approval of the project of cross-border change of legal form according to special regulation2), legal form of a joint-stock company, simple joint-stock company, limited liability company or European Company, b) establishment of a supervisory board, c) share capital of at least EUR 500,000 paid in cash contribution(s), d) clear and credible origin of each cash contribution to the share capital and other financial resources intended for providing consumer credit, e) professional competence, integrity and reliability of the natural person proposed as a member of the statutory body, proxy, member of the supervisory board, head of the internal control department or head of the employee responsible for performing internal control, head of the organizational unit of the applicant - foreign person and natural person who ensures fulfillment of tasks in protection against the legalization of proceeds from criminal activity and financing of terrorism, reporting of unusual business transactions and through whom continuous contact with the Financial Intelligence Unit is ensured according to special regulation3) (hereinafter referred to as "proposed person within the scope of Section 26(2)(d) of the Consumer Credit Act" or also as "proposed person") as established in Sections 26(12), (13) and (15) of the Consumer Credit Act, f) integrity and reliability of the natural person who is the ultimate beneficial owner of the applicant according to special regulation3) (hereinafter referred to as "natural person who is the ultimate beneficial owner of the applicant"), g) suitability of the applicant and suitability or reliability of persons with qualified participation in the applicant, h) integrity of the applicant and persons with qualified participation in the applicant, i) creation of a system for assessing the consumer's ability to repay consumer credit and a system for providing consumer credit, j) transparency of the group with close links, whereby close links within the group must not hinder the supervision of the creditor, which is a legal person, k) transparency of the ownership structure of the applicant, l) the legal order and the manner of its application in the state where the group has close links under letter j) do not hinder the performance of supervision, m) location of the registered office or organizational unit on the territory of the Slovak Republic, n) having established a complaints procedure, o) introduction of appropriate internal procedures against the legalization of proceeds from criminal activity and financing of terrorism. (2) The applicant for permission without restriction is obliged, pursuant to Section 26(7) of the
Consumer Credit Act, to create an internal control system corresponding to the complexity and risks arising from the provision of consumer credit.

Article 2
Permission in Restricted Scope of Providing Consumer Credit (1) An applicant for permission to provide consumer credit in a restricted scope of providing consumer credit under Section 25(1)(b) of the Consumer Credit Act, who is a legal person (hereinafter referred to as "applicant for permission in restricted scope, who is a legal person"), must, pursuant to Section 27(2) of the Consumer Credit Act, demonstrate compliance with the following conditions:
a) legal form of a joint-stock company, simple joint-stock company, limited liability company or European Company at least in the stage of establishment of the company for the purpose of its entry into the Commercial Register in such legal form, b) clear and credible origin of cash contribution to the share capital and other financial resources intended for providing consumer credit, c) professional competence, integrity and reliability of the natural person proposed as a member of the statutory body, proxy, head of the organizational unit of the applicant - foreign person and natural person who ensures fulfillment of tasks in protection against the legalization of proceeds from criminal activity and financing of terrorism, reporting of unusual business transactions and through whom continuous contact with the Financial Intelligence Unit is ensured according to special regulation3) (hereinafter referred to as "proposed person within the scope of Section 27(2) in conjunction with Section 26(2)(d) of the Consumer Credit Act" or also as "proposed person") as established in Sections 26(12), (13) and (15) of the Consumer Credit Act, d) suitability of the applicant and suitability or reliability of persons with qualified participation in the applicant, e) integrity of the applicant and persons with qualified participation in the applicant, f) creation of a system for assessing the consumer's ability to repay consumer credit and a system for providing consumer credit,

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_________________________________________________________________________________________ g) transparency of the ownership structure of the applicant, h) location of the registered office or organizational unit on the territory of the Slovak Republic, i) having established a complaints procedure, j) introduction of appropriate internal procedures against the legalization of proceeds from criminal activity and financing of terrorism. (2) An applicant for permission to provide consumer credit in a restricted scope of providing consumer credit under Section 25(1)(b) of the Consumer Credit Act, who is a natural person (hereinafter referred to as "applicant for permission in restricted scope, who is a natural person"), must, pursuant to Section 27(3) of the Consumer Credit Act, demonstrate compliance with the following conditions:
a) full legal capacity of the applicant, b) professional competence, integrity and reliability of the applicant and the natural person who ensures fulfillment of tasks in protection against the legalization of proceeds from criminal activity and financing of terrorism, reporting of unusual business transactions and through whom continuous contact with the Financial Intelligence Unit is ensured according to special regulation3) (hereinafter referred to as "proposed person within the scope of Section 27(3)(b) of the Consumer Credit Act" or also as "proposed person") as established in Sections 26(12), (13) and (15) of the Consumer Credit Act, c) creation of a system for assessing the consumer's ability to repay consumer credit and a system for providing consumer credit, d) own financial resources for providing consumer credit of at least EUR 5,000 and other financial resources intended for providing consumer credit, e) clear and credible origin of financial resources for providing consumer credit, f) having established a complaints procedure, g) introduction of appropriate internal procedures against the legalization of proceeds from criminal activity and financing of terrorism.

Article 3
Permission in the Scope of Providing Consumer Credit for a Creditor Who Provides Consumer Credit within the Framework of Their Ancillary Activity (1) An applicant for permission to provide consumer credit under Section 25(1)(c) of the Consumer Credit Act, who provides consumer credit within the scope defined in Section 28 of this Act (hereinafter referred to as "applicant for permission in the scope of providing consumer credit within their ancillary activity"), must, pursuant to Section 28(2) and (3) of the Consumer Credit Act, demonstrate compliance with the following conditions:
a) legal form of a joint-stock company, simple joint-stock company, limited liability company or European Company at least in the stage of establishment of the company for the purpose of its entry into the Commercial Register in such legal form; if it is an applicant who is a creditor from another Member State after approval of the project of cross-border change of legal form according to special regulation2), legal form of a joint-stock company, simple joint-stock company, limited liability company or European Company, b) establishment of a supervisory board, c) professional competence, integrity and reliability of the natural person responsible for providing consumer credit, head of the internal control department or head of the employee responsible for performing internal control, head of the organizational unit of the applicant - foreign person and natural person who ensures fulfillment of tasks in protection against the legalization of proceeds from criminal activity and financing of terrorism, reporting of unusual business transactions and through whom continuous contact with the Financial Intelligence Unit is ensured according to special regulation3) (hereinafter referred to as

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_________________________________________________________________________________________ "proposed person within the scope of Section 28(2) in conjunction with Section 26(2)(d) of the Consumer Credit Act" or also as "proposed person") as established in Sections 26(12), (13) and (15) of the Consumer Credit Act, d) suitability of the applicant and suitability or reliability of persons with qualified participation in the applicant, e) integrity of the applicant and persons with qualified participation in the applicant, f) creation of a system for assessing the consumer's ability to repay consumer credit and a system for providing consumer credit, g) transparency of the ownership structure of the applicant, h) location of the registered office or organizational unit on the territory of the Slovak Republic, i) having established a complaints procedure, j) introduction of appropriate internal procedures against the legalization of proceeds from criminal activity and financing of terrorism. (2) The applicant for permission in the scope of providing consumer credit within their ancillary activity is obliged, pursuant to Section 28(4) of the Consumer Credit Act, to create an internal control system corresponding to the complexity and risks arising from the provision of consumer credit.

2) Sections 112 to 117 of Act No. 309/2023 Coll. on the Transformation of Commercial Companies and Cooperatives and Amending Certain Acts as amended and supplemented. 3) Act No. 297/2008 Coll. on the Protection against the Legalization of Proceeds from Criminal Activity and on the Protection against the Financing of Terrorism and Amending Certain Acts as amended and supplemented, Regulation (EU) 2024/1624 of the European Parliament and of the Council on preventing the use of the financial system for the purpose of money laundering or terrorist financing, which applies from 10 July 2027.

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_________________________________________________________________________________________ "proposed person to the extent under Section 28(3)(b) of the Consumer Loans Act" or also as "proposed person"), as stipulated in Section 26(12), (13) and (15) of the Consumer Loans Act, d) establishment of a system for assessing the consumer's ability to repay the consumer loan and a system for providing consumer loans, e) placement of the registered office or organizational unit on the territory of the Slovak Republic, f) establishment of a complaints procedure, g) introduction of appropriate internal procedures against money laundering and terrorist financing. (2) An applicant for permission to the extent of providing consumer loans within the scope of its ancillary activity is obliged, pursuant to Section 28(6) of the Consumer Loans Act, to establish an internal control system corresponding to the complexity and risks arising from the provision of consumer loans.

PART IV
PROOF OF COMPLIANCE WITH CONDITIONS

Article 1
General Provisions
(1) An applicant for permission without scope limitation, an applicant for permission with limited scope who is a legal entity, an applicant for permission with limited scope who is a natural person, and an applicant for permission to the extent of providing consumer loans within the scope of its ancillary activity (hereinafter in this part collectively "applicant") proves compliance with the individual conditions for granting permission in accordance with this part of the methodological guidance. (2) The proof of compliance with conditions according to this part includes, in addition to the definition of the method of proving their compliance, the identification of the specific applicant to whom the mentioned condition applies.

Article 2
Proof of Compliance with Conditions of Business Legal Form, Establishment of a Supervisory Board, and Placement of Registered Office (1) The condition of business legal form, establishment of a supervisory board, and placement of registered office is proven as follows:
a) by the founding deed, founding agreement, or articles of association by which the legal entity was established, or by the statutes or draft statutes, b) by an extract from the commercial register or from another official record or other official register, if the applicant is registered in one of them, not older than three months from the date of submission of the application, and in the case of a foreign legal entity, with an officially certified translation into the state language; if the applicant is registered in the commercial register4), an extract is not submitted, and instead of submitting the extract, the application shall state the designation of the register in which the applicant is registered, and the number and mark of the entry in this register. (2) Regarding the documents according to paragraph 1(a) of this Article, the NBS recommends amending their content to include:

1. the establishment of a supervisory board and the registered office or organizational unit of the applicant on the territory of the Slovak Republic,
2. the establishment of a separate independent unit responsible for the performance of internal control, or the designation of an employee responsible for the performance of internal control, if this is appropriate to the nature, scope, and complexity of the subject matter of the applicant's activity,
3. the requirement to obtain prior consent of the NBS for the election or appointment of proposed persons of the creditor, for the return of permission, and for the dissolution of the creditor in accordance with Section 30 of the Consumer Loans Act,
4. the requirement to obtain prior consent of the NBS for the acquisition of a qualified participation in the applicant and for the increase of share capital in accordance with Section 30 of the Consumer Loans Act.
   (3) An applicant for permission without scope limitation proves compliance with the conditions of business legal form, establishment of a supervisory board, and placement of registered office in the manner according to paragraphs 1 and 2 of this Article in full scope.
   (4) An applicant for permission to the extent of providing consumer loans within the scope of its ancillary activity proves compliance with the conditions of business legal form, establishment of a supervisory board, and placement of registered office in the manner according to this Article, except for paragraph 2(4) of this Article, which does not apply to this applicant. (5) An applicant for permission with limited scope who is a legal entity proves compliance with the conditions of business legal form and placement of registered office in the manner according to this Article, except for conditions relating to the supervisory board and paragraph 2(2) of this Article, which do not apply to this applicant.

Article 3
Proof of Compliance with the Condition of Payment of Monetary Contribution to Share Capital and Condition of Transparent and Credible Origin of Monetary Contribution to Share Capital and Other Monetary Funds for Providing Consumer Loans by the Applicant According to Section 25(1)(a) and (b) of the Consumer Loans Act, Who is a Legal Entity (1) The condition of payment of monetary contribution to share capital and the condition of transparent and credible origin of monetary contribution to share capital and other monetary funds for providing consumer loans are proven as follows:
a) by an account statement from an account established by the deposit administrator before the establishment of the company in accordance with Section 60(2) of the Commercial Code in the version effective until January 1, 2016, or by a declaration of the deposit administrator regarding the payment of contributions according to Section 60(4) of the Commercial Code in the version effective from January 1, 2016, and by an account statement/account statements from a bank, foreign bank, and branch of a foreign bank certifying the handover of monetary contributions to the applicant, b) by a decision of the competent body on the increase of share capital; if the share capital was increased by new monetary contributions, also by a document certifying the assumption of the obligation to pay the increase of share capital and a document certifying the actual payment of monetary contributions to increase the share capital, c) by an extract from the commercial register or from another official record or other official register, if the applicant is registered in one of them, not older than three months from the date of submission of the application, and in the case of a foreign legal entity, with an officially certified translation into the state language; if the applicant is registered in the commercial register4), an extract is not submitted, and instead of submitting the extract, the application shall state the designation of the register in which the applicant is registered, and the number and mark of the entry in this register, d) by an auditor's report together with the audited financial statements and the annual report of the applicant for the last three accounting periods, if the applicant is subject to the obligation of auditing financial statements by an auditor, or by financial statements for the last three accounting periods, if the applicant is not subject to the obligation of auditing financial statements by an auditor; if the applicant is part of a consolidated group, also by an auditor's report together with the audited consolidated financial statements for the last three accounting periods; if the applicant started business activity less than three years before submitting the application, financial statements are submitted only for the period from the start of business activity; documents do not need to be submitted if they are available in the register of financial statements according to a special regulation5), e) by a comprehensive written information on the origin of individual monetary contributions invested in the share capital of the applicant, f) by documents on the transparent, credible, and legal origin of monetary contributions invested in the share capital of the applicant by shareholders or partners of the applicant, in the case of a shareholder or partner who is:

1. a natural person,
   1.1. a summary of the property and financial situation of the natural person,
   1.2. a tax return for income tax or a document on the annual settlement of advance payments on income tax from dependent employment for the last three tax periods; if the natural person started receiving income from dependent employment less than three years before submitting the application, a tax return or a document on the annual settlement of advance payments is submitted only for the period from the start of receiving such income,
   1.3. written information on the origin of monetary contributions invested in the share capital of the applicant,
   1.4. an account statement/account statements from a bank, foreign bank, and branch of a foreign bank,
   1.5. a sworn declaration that the monetary funds invested in the share capital of the applicant do not originate from criminal activity. The authenticity of the signature on this sworn declaration must be officially certified.
2. a natural person - entrepreneur,
   2.1. an extract from the commercial register or an extract from the trade license register or another official register, on the basis of which the natural person - entrepreneur conducts business, not older than three months from the date of submission of the application, and in the case of a foreign person, with an officially certified translation into the state language; if the natural person - entrepreneur is registered in the trade license register6), an extract is not submitted, and instead of submitting the extract, the application shall state the designation of the register in which the natural person - entrepreneur is registered, and the number and mark of the entry in this register,
   2.2. a summary of the property and financial situation of the natural person - entrepreneur,
   2.3. annual financial statements for the last three accounting periods and a tax return for income tax for the last three tax periods; if the natural person - entrepreneur started conducting business activity less than three years before submitting the application, financial statements and tax returns are submitted only for the period from the start of business activity; documents do not need to be submitted if they are available in the register of financial statements according to the Accounting Act,
   2.4. written information on the origin of monetary contributions invested in the share capital of the applicant,
   2.5. an account statement/account statements from a bank, foreign bank, and branch of a foreign bank,
   2.6. a sworn declaration that the monetary funds invested in the share capital of the applicant do not originate from criminal activity. The authenticity of the signature on this sworn declaration must be officially certified.
3. a legal entity,

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3.1. an extract from the commercial register or another official register, on the basis of which the legal entity conducts business, not older than three months from the date of submission of the application, and in the case of a foreign legal entity, with an officially certified translation into the state language; if the legal entity is registered in the commercial register4), an extract is not submitted, and instead of submitting the extract, the application shall state the designation of the register in which the legal entity is registered, and the number and mark of the entry in this register,
3.2. a founding agreement, founding deed, or articles of association by which the legal entity was established,
3.3. an auditor's report together with the audited financial statements and annual report for the last three accounting periods, if the legal entity is subject to the obligation of auditing financial statements by an auditor, or financial statements for the last three accounting periods, if the legal entity is not subject to the obligation of auditing financial statements by an auditor; if the legal entity is part of a consolidated group, also by an auditor's report together with the audited consolidated financial statements for the last three accounting periods; if the legal entity started conducting business activity less than three years before submitting the application, financial statements are submitted only for the period from the start of business activity; documents do not need to be submitted if they are available in the register of financial statements according to the Accounting Act,
3.4. written information on the origin of monetary contributions invested in the share capital of the applicant,
3.5. an account statement/account statements from a bank, foreign bank, and branch of a foreign bank,
3.6. a sworn declaration that the monetary funds invested in the share capital of the applicant do not originate from criminal activity; the authenticity of the signature of the person(s) acting on behalf of or for the legal entity on this sworn declaration must be officially certified.
g) written information and documents on the origin of other monetary funds intended for providing consumer loans, including an account statement/account statements from a bank, foreign bank, and branch of a foreign bank with the balance as of the date of submission of the application; if this is not possible, then with the balance as of the last day of the calendar month preceding the month in which the application is submitted. (2) An applicant for permission without scope limitation and an applicant for permission with limited scope who is a legal entity prove compliance with the condition of payment of monetary contribution to share capital and the condition of transparent and credible origin of monetary contribution to share capital and other monetary funds for providing consumer loans in full scope according to paragraph 1 of this Article.

Article 4
Proof of Compliance with the Condition of Own Monetary Funds for Providing Consumer Loans and Condition of Transparent and Credible Origin of Monetary Funds for Providing Consumer Loans by the Applicant According to Section 25(1)(b) of the Consumer Loans Act, Who is a Natural Person (1) An applicant for permission with limited scope who is a natural person proves compliance with the condition of own monetary funds for providing consumer loans as follows:
a) information on the origin of the applicant's own monetary funds in the amount of at least 5,000 euros and other own monetary funds intended for providing consumer loans, b) a summary of the property and financial situation of the applicant, c) if the applicant did not conduct business activity as of the date of submission of the application, a tax return for income tax or a document on the annual settlement of advance payments on income tax from dependent employment for the last three tax periods; if the applicant started receiving income from dependent employment less than three years before submitting the application, a tax return or a document on the annual settlement of advance payments is submitted only for the period from the start of receiving such income, d) if the applicant conducted business activity as of the date of submission of the application, annual financial statements for the last three accounting periods and a tax return for income tax for the last three tax periods; if the applicant started conducting business activity less than three years before submitting the application, financial statements and tax returns are submitted only for the period from the start of business activity; documents do not need to be submitted if they are available in the register of financial statements according to the Accounting Act, e) an account statement/account statements from a bank, foreign bank, and branch of a foreign bank with the balance as of the date of submission of the application; if this is not possible, then with the balance as of the last day of the calendar month preceding the month in which the application is submitted, f) a sworn declaration that the applicant's own monetary funds do not originate from criminal activity; the authenticity of the signature on this sworn declaration must be officially certified. (2) An applicant for permission with limited scope who is a natural person proves compliance with the condition of transparent and credible origin of monetary funds for providing consumer loans by written information on the origin of monetary funds intended for providing consumer loans and documents on the origin of monetary funds intended for providing consumer loans, including an account statement/account statements from a bank, foreign bank, and branch of a foreign bank with the balance as of the date of submission of the application; if this is not possible, then with the balance as of the last day of the calendar month preceding the month in which the application is submitted.

Article 5
Proof of Compliance with the Condition of Professional Competence, Good Conduct, Reliability, and Suitability (1) Compliance with the condition of professional competence is proven as follows:
a) by a brief professional curriculum vitae of the proposed person with a summary of completed education, professional experience, and with the indication of creditors and financial institutions, as this term is defined in Section 25(4) of the Consumer Loans Act, in which the proposed person held a position and during periods that are decisive for assessing the reliability of the proposed person, as this term is defined in Section 26(15) of the Consumer Loans Act; the curriculum vitae must be personally signed by the proposed person, including the date of signing, b) by an officially certified copy of the document on the highest achieved education of the proposed person certifying the achievement of the level of education according to Section 26(12) of the Consumer Loans Act; for documents on completed comparable foreign education, compliance with the condition of professional competence is proven by an officially certified copy of the document on achieved education together with a decision on the recognition of the education document or with a clause on the recognition of the level of foreign education7), that it is education comparable to education according to Section 26(12) of the Consumer Loans Act, and an officially certified translation of documents into the state language, c) by an original or officially certified copy of a document on the professional experience of the proposed person in the field of banking or in another financial field at least to the extent according to Section 26(12) of the Consumer Loans Act,

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_________________________________________________________________________________________ d) a sworn declaration on the completeness, correctness, truthfulness, authenticity, and currency of the submitted documents; this declaration may be part of the sworn declaration on reliability according to paragraph 3 of this Article; the authenticity of the signature on the sworn declaration must be officially certified. (2) For the purposes of this methodological guidance, professional experience in another financial field is considered mainly the performance of managerial, controlling, or professional activities related to the main subject of business in a financial institution according to Section 25(4) of the Consumer Loans Act or according to a special regulation8), whereby such experience may also include the performance of professional activities in another business entity, if its subject of activity registered in the commercial register or in another official register corresponds to financial services according to a special regulation9) (e.g., business activity of factoring and forfaiting), whereby it must be evident from the submitted documents that the scope and nature of the performed activity were sufficient to acquire professional competence in the relevant financial field; professional experience in another financial field is generally not considered the performance of activities that do not have a direct substantive connection with the provision of financial services (e.g., the performance of legal practice or audit), unless the applicant proves that these activities were performed long-term for financial institutions and had a substantive connection with their main activity. (3) If the data on the surname of the proposed person stated on the document on the highest achieved education according to paragraph 1(b) of this Article does not match their current surname, an officially certified copy of a birth certificate, marriage certificate, or another official document proving the change of surname is submitted; this does not apply if the change of surname of the proposed person is demonstrable from the submitted copy of an identity card containing the data on the maiden surname, which is submitted without the need for its official certification. (4) Compliance with the condition of good conduct is proven as follows:
a) in the case of a natural person, by data necessary to request an extract from the criminal register10) together with a copy of a valid identity document; if it concerns a foreigner, by submitting a similar certificate of good conduct issued by the competent authority of the state of which they are a citizen, or by the competent authority of the state of their permanent residence or by the authority of the state in which they usually reside, not older than three months from the date of submission of the application, and submitted together with its officially certified translation into the state language, b) in the case of a legal entity, by data necessary to request an extract from the criminal register11); if it concerns a foreign legal entity, by submitting a similar certificate of good conduct issued by the competent authority of the state in which it has its registered office, not older than three months from the date of submission of the application, together with its officially certified translation into the state language. (5) Compliance with the condition of reliability is proven by a sworn declaration of a natural person on reliability in the wording according to Section 26(15) of the Consumer Loans Act. The authenticity of the signature on the sworn declaration must be officially certified. (6) Compliance with the condition of suitability is proven by a sworn declaration of a legal entity on suitability in the wording according to Section 26(16) of the Consumer Loans Act. The authenticity of the signature of the person authorized to act on behalf of the legal entity on the sworn declaration must be officially certified.

4) Act No. 530/2003 Z. z. on the Commercial Register and on the Amendment and Supplement of Certain Laws in the wording of subsequent regulations.
5) Act No. 431/2002 Z. z. on Accounting in the wording of subsequent regulations.
6) Act No. 455/1991 Coll. on Trade Licensing Business in the wording of subsequent regulations.
7) Section 39a of Act No. 422/2015 Z. z. on the Recognition of Education Documents and on the Recognition of Professional Qualifications and on the Amendment and Supplement of Certain Laws in the wording of subsequent regulations.
8) Article 4(1)(26) of Regulation (EU) No. 575/2013 of the European Parliament and of the Council on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No. 648/2012.
9) Points 2 to 12 and point 15 of Annex I to Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, amending Directive 2002/87/EC and repealing Directives 2006/48/EC and 2006/49/EC.
10) Data according to Section 12(4)(a) of Act No. 192/2023 Z. z. on the Criminal Register and on the Amendment and Supplement of Certain Laws.
11) Data according to Section 12(4)(b) of Act No. 192/2023 Z. z. on the Criminal Register and on the Amendment and Supplement of Certain Laws.

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_________________________________________________________________________________________ (7) To demonstrate compliance with the conditions of professional competence, integrity, reliability, and suitability, the applicant shall also include in the application a list of:
a) proposed persons and information on compliance with the conditions of professional competence, integrity, and reliability, including the education achieved and the length of professional experience of each proposed person, b) natural persons who are the ultimate beneficial owners of the applicant and information on compliance with the conditions of integrity and reliability of the natural person who is the ultimate beneficial owner of the applicant, c) persons with qualified participation in the applicant and information on compliance with the conditions of suitability or reliability of persons with qualified participation in the applicant.

(8) An applicant for permission without scope limitation demonstrates compliance with the conditions of professional competence, integrity, reliability, and suitability in relation to these persons:

Person	Condition
Proposed Person*	Applicant	Ultimate Beneficial Owner	Person with qualified participation in the applicant – legal entity	Person with qualified participation in the applicant – natural person
Professional Competence	x
Integrity		x	x
Reliability		x	x
Suitability				x x

• proposed person within the scope of Section 26(2)(d) of the Consumer Loans Act

(9) An applicant for permission with restricted scope, which is a legal entity, demonstrates compliance with the conditions of professional competence, integrity, reliability, and suitability in relation to these persons:

Person	Condition
Proposed Person*	Applicant	Ultimate Beneficial Owner	Person with qualified participation in the applicant – legal entity	Person with qualified participation in the applicant – natural person
Professional Competence	x
Integrity		x	x
Reliability		x	x
Suitability			x x

• proposed person within the scope of Section 27(2) of the Consumer Loans Act in conjunction with Section 26(2)(d) of the Consumer Loans Act

(10) An applicant for permission with restricted scope, which is a natural person, demonstrates compliance with the conditions of professional competence, integrity, and reliability in relation to these persons:

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Person	Condition
Proposed Person*	Applicant	Ultimate Beneficial Owner	Person with qualified participation in the applicant – legal entity	Person with qualified participation in the applicant – natural person
Professional Competence		x x
Integrity		x x
Reliability		x x
Suitability

• proposed person according to Section 27(3)(b) of the Consumer Loans Act

(11) An applicant for permission within the scope of providing consumer loans as part of its supplementary activity demonstrates compliance with the conditions of professional competence, integrity, and reliability in relation to these persons:

Person	Condition
Proposed Person*	Applicant	Ultimate Beneficial Owner	Person with qualified participation in the applicant – legal entity	Person with qualified participation in the applicant – natural person
Professional Competence	x
Integrity		x
Reliability		x
Suitability

• proposed person according to Section 28(3)(b) of the Consumer Loans Act

(12) The applicant, as part of its internal organizational arrangement, is obliged to prevent the emergence of conflicts of interest. Incompatible is primarily the concurrent performance of the function of internal control with the performance of activities in organizational units that are subject to control. The performance of the function of internal control is incompatible primarily with the performance of the function of:

1. a member of the supervisory board and a member of the statutory body,
2. a person who ensures the performance of tasks in the prevention of money laundering from criminal activity and terrorist financing, reporting of unusual business transactions, and through whom continuous contact with the Financial Intelligence Unit is ensured according to a special regulation3),
3. internal audit and risk management, if established.

(13) An applicant for permission without scope limitation, an applicant for permission with restricted scope which is a legal entity, and an applicant for permission with restricted scope which is a natural person are obliged to submit as an attachment to the application a copy of the court decision(s) according to the Civil Code12), if such a decision was issued against the applicant.

Article 6
Demonstration of Compliance with the Condition of Capacity to Perform Legal Acts

An applicant for permission with restricted scope, which is a natural person, demonstrates compliance with the condition of capacity to perform legal acts as follows:
12) Section 53a of the Civil Code.

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_________________________________________________________________________________________ a) by a solemn declaration of the applicant that they have full capacity to perform legal acts, b) by a copy of the national identity card or another identity document.

Article 7
Demonstration of Compliance with the Condition of Establishing a System for Assessing the Consumer's Ability to Repay Consumer Loans and a System for Providing Consumer Loans, and the Condition of Implementing Appropriate Internal Procedures Against Money Laundering from Criminal Activity

(1) Compliance with the condition of establishing a system for assessing the consumer's ability to repay consumer loans and a system for providing consumer loans, and the condition of implementing appropriate internal procedures against money laundering from criminal activity, is demonstrated as follows:
a) by a description of the system for assessing the consumer's ability to repay consumer loans, including the intended system for collecting and effectively using data on consumers and consumer loans, and the criteria, limits, and register of consumer loans through which the applicant will fulfill its obligations under Section 13 of the Consumer Loans Act and according to a special regulation13), e.g., by a draft internal regulation/internal regulations containing creditor procedures:
1. in assessing the consumer's ability to repay consumer loans before concluding a consumer loan contract,
2. in assessing the consumer's ability to repay consumer loans before changing the consumer loan contract,
b) by a description of the system for providing consumer loans, which contains mainly:
1. procedures before concluding a consumer loan contract:
1.1. defining the product/products of consumer loans,
1.2. defining the target group,
1.3. description of the product distribution method,
1.4. description of planned marketing, promotion, and product offers,
1.5. method of communication with clients – who and by what means (web, telephone, sales locations),
1.6. procedures according to Sections 6 to 12 of the Consumer Loans Act – provision of pre-contractual information, provision of explanation,
2. procedures for submitting a consumer loan application:
2.1. receipt of the loan application taking into account the form of submission (in writing or electronically),
2.2. obtaining all data necessary for assessing the ability to repay consumer loans,
2.3. assessment of the application by a responsible person, checking the correctness and completeness of the application,
3. procedures for approving consumer loans, which include a procedure regarding the application of the limit for the consumer's ability to repay consumer loans indicator, a procedure regarding the application of the limit for the maturity period of consumer loans, and a procedure regarding the application of requirements for the method and conditions of repayment of consumer loans:
3.1. description of the approval process – sequence of steps,
13) Measure of the National Bank of Slovakia of 14 November 2017 No. 10/2017, establishing details on the assessment of the consumer's ability to repay consumer loans (Notification No. 306/2017 Coll.) as amended by the measure of 29 May 2018 No. 6/2018 (Notification No. 168/2018 Coll.), the measure of 17 December 2019 No. 9/2019 (Notification No. 502/2019 Coll.), and the measure of 23 August 2022 No. 4/2022 (Notification No. 308/2022 Coll.).

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3.2. assessment of repayment capacity with regard to obtained information about the consumer, including access to registers (or reference to the description of the system for assessing repayment capacity),
3.3. approval of the loan by a designated person or organizational unit or body of the creditor,
3.4. procedure for approving exceptions to standard loan terms, defining KO criteria,
3.5. rules for gradual repayment,
3.6. limit for the maturity period,
3.7. procedure for preparing contractual documentation and approval of the correctness and completeness of the contract draft,
3.8. conclusion of the contract, checking the correctness and completeness of contractual documentation,
4. procedures for managing consumer loans and procedures for the purpose of controlling the consumer's ability to repay consumer loans:
4.1. in case of the consumer's withdrawal from the contract,
4.2. in case of early repayment of the loan by the consumer,
4.3. handling of prepayments or overpayments,
4.4. handling of unidentified payments,
4.5. issuance of a copy of the contract and calculation of total cost of credit upon the consumer's request,
4.6. termination of the contract, issuance of a certificate of repayment,
5. procedures for handling non-repayment of consumer loans; if the creditor has entered into the rights of another creditor in accordance with Section 48 or manages loans according to Section 32 of the Consumer Loans Act14), separate procedures for handling non-repayment of consumer loans for consumer loans provided by the creditor and separate for acquired consumer loans:
5.1. fulfillment of the obligation to warn about unpaid installments,
5.2. procedures for early maturity of the loan,
5.3. appropriate forbearance policies and procedures according to Section 47(1) of the Consumer Loans Act,
5.4. description of procedures for out-of-court dispute resolution according to Section 51 of the Consumer Loans Act,
5.5. methods of collection – out-of-court and court,
6. procedures for providing consumer loans through independent financial agents and tied financial agents and for monitoring consumer loans provided through independent financial agents according to a special law, if intended to be used,
7. procedures for using third parties who, based on a written contract with the creditor, perform some of the activities related to providing consumer loans,
c) by a proposed strategy and business plan, which contains mainly a preliminary budget for the first three accounting years and proof of the applicant's ability to properly provide consumer loans, which is supported by realistic economic calculations within the scope of accounting statement data together with a commentary on individual items of the plan; the business plan also contains the premises on which it is prepared and descriptions of methods for securing individual activities performed according to the Consumer Loans Act, d) by a description of the intended use of independent financial agents and tied financial agents according to a special regulation for financial intermediation in providing consumer loans; if the creditor does not use and does not plan to use independent financial agents, the internal directive on the description of the intended use of independent financial agents can be replaced by a solemn declaration of a member of the statutory body of the creditor regarding this fact, the authenticity of the signature on the solemn declaration must be officially certified,
14) More closely regulated by Article 11 of this part.

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_________________________________________________________________________________________ e) by the applicant's own activity program as a obliged person according to a special regulation3), the content requirements of which are in accordance with the provisions of a special regulation15).

(2) An applicant for permission without scope limitation and an applicant for permission within the scope of providing consumer loans as part of its supplementary activity demonstrate compliance with the condition of establishing a system for assessing the consumer's ability to repay consumer loans and a system for providing consumer loans, and the condition of implementing appropriate internal procedures against money laundering from criminal activity in full scope according to paragraph 1 of this Article.

(3) An applicant for permission with restricted scope, which is a legal entity, and an applicant for permission with restricted scope, which is a natural person, demonstrate compliance with the condition of establishing a system for assessing the consumer's ability to repay consumer loans and a system for providing consumer loans, and the condition of implementing appropriate internal procedures against money laundering from criminal activity in the manner according to this Article, except for paragraph 1 letter d) of this Article, which does not apply to these applicants.

Article 8
Demonstration of Compliance with the Condition of Transparency of the Group with Close Links, the Condition of Transparency of the Applicant's Ownership Structure, and the Condition of Applicability of the Legal Order

(1) Compliance with the conditions of transparency of the group with close links, transparency of the applicant's ownership structure, and applicability of the legal order is demonstrated as follows:
a) by a graphical representation and description of the applicant's ownership structure; if a partner or shareholder is:

1. a legal entity, with the name of the shareholder or partner, its registered office, and identification number, if assigned, and entry in the commercial register or in another official record or in another official register, if registered in any of them,
2. a natural person, with the name and surname, date of birth, personal identification number, permanent address, and nationality,
3. a natural person – entrepreneur, with the name and surname, date of birth, personal identification number, permanent address, nationality, place of business, and identification number, if assigned;
   if a natural person according to points 2 and 3 does not have an assigned personal identification number, only the date of birth shall be stated, b) by a graphical representation of the structure of the group with close links, as defined in Section 26(17) and (18) of the Consumer Loans Act, to which the applicant belongs, c) by a graphical representation and description of links to a politically exposed person16) or a sanctioned person,17) which is located in the group with close links according to Section 26(17) of the Consumer Loans Act, or by a solemn declaration of the applicant that such a person is not located in the group with close links of the applicant. The authenticity of the signature of the person(s) acting on behalf of or for the legal entity on this solemn declaration must be officially certified,
   15) Section 20 and Section 20a of Act No. 297/2008 Coll. on the prevention of money laundering from criminal activity and on the prevention of terrorist financing and on the amendment and supplement of certain laws as amended, Article 9 and 10 of Regulation (EU) 2024/1624 of the European Parliament and of the Council on the prevention of the use of the financial system for the purpose of money laundering or terrorist financing, which applies from 10 July 2027. 16) Section 6 of Act No. 297/2008 Coll. on the prevention of money laundering from criminal activity and on the prevention of terrorist financing and on the amendment and supplement of certain laws as amended. 17) Act No. 289/2016 Coll. on the implementation of international sanctions and on the amendment and supplement of Act No. 566/2001 Coll. on securities and investment services and on the amendment and supplement of certain laws (Securities Act) as amended.

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_________________________________________________________________________________________ d) by a solemn declaration of the applicant, who has close links abroad, that legal regulations governing the issue of close links in the state on whose territory the group has close links do not hinder the performance of supervision, if the shareholder or partner is a foreigner or a legal entity with its registered office abroad. The authenticity of the signature of the person(s) acting on behalf of or for the legal entity on this solemn declaration must be officially certified.

(2) An applicant for permission without scope limitation demonstrates compliance with the condition of transparency of the group with close links, the condition of transparency of the applicant's ownership structure, and the condition of applicability of the legal order in full scope according to paragraph 1 of this Article.

(3) An applicant for permission with restricted scope, which is a legal entity, proceeds in demonstrating compliance with the condition of transparency of the applicant's ownership structure in the manner according to this Article, except for paragraph 1 letters b) to d), which do not apply to this applicant.

Article 9
Demonstration of Compliance with the Condition of Establishing a Complaints Procedure

(1) Compliance with the condition of establishing a complaints procedure is demonstrated as follows:
a) by a draft complaints procedure, b) by a draft of internal regulations governing the form, method of receipt, method of handling, and registration of complaints.

(2) An applicant for permission without scope limitation, an applicant for permission with restricted scope which is a legal entity, an applicant for permission with restricted scope which is a natural person, and an applicant for permission within the scope of providing consumer loans as part of its supplementary activity demonstrate compliance with the condition of establishing a complaints procedure in full scope according to paragraph 1 of this Article.

Article 10
Demonstration of Compliance with the Obligation to Establish an Internal Control System

(1) Compliance with the obligation to establish an internal control system corresponding to the complexity and risks arising from the provision of consumer loans is demonstrated as follows:
a) by a graphical representation and description of the applicant's organizational structure, b) by creating a separate and independent unit responsible for the performance of internal control (hereinafter also "internal control unit") and appointing the head of the internal control unit, or c) by appointing a leading employee responsible for the performance of internal control; in the application, the applicant in such a case justifies the appropriateness of such a solution to the nature, scope, and complexity of its subject matter of activity and to the scope of providing consumer loans, and demonstrates the adoption of an effective strategy of procedures for the performance of internal control, d) by an internal regulation governing the details of the internal control system, which shall contain mainly:

1. description of the performance of control activities, including procedures for implementing remedial measures,
2. determination of persons who will perform these activities,
3. description of the performance of control of compliance with laws and other generally binding legal regulations and internal regulations of the creditor,
4. description of the examination and evaluation of the functionality and effectiveness of the system for assessing the consumer's ability to repay consumer loans and the system for providing consumer loans,

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5. ensuring the independence and autonomy of the internal control unit and the head of the internal control unit of the creditor within the organizational structure by placing them under the supervisory board, so that there is no accumulation of control activities performed according to the Consumer Loans Act by the internal control unit with other activities that the creditor performs according to the Consumer Loans Act (e.g., handling complaints, loan approval),
6. ensuring the independence and autonomy of the leading employee responsible for the performance of internal control within the organizational structure by placing them under the supervisory board, so that there is no accumulation of control activities performed according to the Consumer Loans Act by the head of the internal control unit with other activities that the creditor performs according to the Consumer Loans Act (e.g., handling complaints, loan approval).

(2) An applicant for permission without scope limitation and an applicant for permission within the scope of providing consumer loans as part of its supplementary activity demonstrate compliance with the obligation to establish an internal control system in full scope according to paragraph 1 of this Article.

Article 11
Special Conditions for Creditors Performing Loan Management

(1) A creditor without scope limitation of providing consumer loans, which performs loan management18) or is a purchaser of loans19) according to Section 32 of the Consumer Loans Act, is obliged to have internal regulations and procedures established so that they contain:
a) procedures for loan management, mainly:

1. procedures for due diligence upon taking over claims for management,
2. information on whether the internal regulation also applies to the collection of loan claims outside special regulation12),
3. procedures for fulfilling information obligations according to special regulation20),
4. procedures for updating data in loan registers,
5. collection strategy, phases of collection – out-of-court, court – with a description of performed activities, taking into account different types of claims (different types of loans, statute-barred claims, etc.),
6. methods and forms of communication with clients, determination of communication content, call scripts (minimum indication of the person/body approving the content of call scripts),
7. informing the debtor of any changes – methods and forms of communication with debtors regarding upcoming or overdue payments, newly arising claims, providing receipts of debt repayment, etc.,
8. use of external entities (outsourcing) in loan management and internal processes for managing cooperation and control,
9. appropriate forbearance policies and procedures according to Section 47(1) of the Consumer Loans Act,
10. description of basic parameters of debt repayment agreements,
11. complaints procedure and internal regulation on handling complaints, including complaints in loan management,
    b) a program of own activity aimed against money laundering from criminal activity and terrorist financing, taking into account the specifics of loan management,
    18) Section 2(j) of Act No. 106/2024 Coll. on Loan Administrators and Loan Purchasers and on the Amendment and Supplement of Certain Laws. 19) Section 2(c) of Act No. 106/2024 Coll. on Loan Administrators and Loan Purchasers and on the Amendment and Supplement of Certain Laws. 20) Section 23(2) et seq. of Act No. 106/2024 Coll. on Loan Administrators and Loan Purchasers and on the Amendment and Supplement of Certain Laws.

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_________________________________________________________________________________________ c) management and control mechanisms and adequate internal control mechanisms including risk management and accounting procedures, including in particular:

1. definition of the organizational structure, functional descriptions and competencies (organizational and competency regulations or other similar document),
2. internal control system,
3. risk management (even in the case where the creditor has not established a risk management function),
4. accounting procedures in the context of loan management establishing rules for clear and systematic recording of receivables from unpaid loan agreements,
   d) proof of the establishment of a separate payment account by the creditor, who intends to receive and hold financial funds from debtors on behalf of the purchaser of loans when performing loan management, and submission of documents regarding its establishment.
   (2) An applicant who intends to perform loan management activities is obliged to prove compliance with the condition under paragraph 1 of this Article in the application for permission.
   (3) If a creditor with granted permission intends to perform loan management, it is obliged to notify the NBS at least 30 days before its commencement and prove that it has adjusted its internal regulations and procedures in accordance with paragraph 1 of this Article.

PART V
EXCEEDING THE TOTAL VOLUME OF PROVIDED CONSUMER LOANS (1) If a creditor with granted permission under Section 25(1)(b) of the Consumer Loans Act, who is a natural person, exceeds the total volume of provided consumer loans under Section 27(6) of the Consumer Loans Act, its permission expires on the last day of the calendar month in which it exceeded the permitted total volume of provided consumer loans. (2) If a creditor with granted permission under Section 25(1)(b) of the Consumer Loans Act, who is a legal entity, exceeds the total volume of provided consumer loans under Section 27(6) of the Consumer Loans Act and does not submit an application for permission to provide consumer loans without scope limitation, its permission expires on the last day of the calendar month in which it exceeded the permitted total volume of provided consumer loans. (3) If a creditor with granted permission under Section 25(1)(b) of the Consumer Loans Act, who is a legal entity, exceeds the total volume of provided consumer loans under Section 27(6) of the Consumer Loans Act, it is obliged to submit an application to the NBS for permission to provide consumer loans without scope limitation within sixty calendar days from the day of exceeding the total volume of provided consumer loans; otherwise, its permission to provide consumer loans in a limited scope expires within the timeframe specified in paragraph 2 of this Part. The NBS shall decide on the matter within sixty calendar days from the date of receipt of a complete application; from the day of exceeding the total volume of provided consumer loans until the day the NBS decision on granting permission to provide consumer loans without scope limitation becomes final, the creditor with granted permission under Section 25(1)(b) of the Consumer Loans Act, who is a legal entity, must not provide consumer loans. (4) The provisions of Article 1 of Part III and the relevant Articles of Part V of this Methodological Guidance apply to the submission of an application for permission to provide consumer loans without scope limitation and its attachments, and to proving compliance with the conditions for granting permission.

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PART VI
TRANSITIONAL AND FINAL PROVISIONS
Article 1
(1) This Methodological Guidance enters into force on 20 November 2026.
(2) On the date of entry into force of this Methodological Guidance, the Methodological Guidance of the Supervisory Department for Financial Markets of the National Bank of Slovakia of 2 April 2025 No. 2/2025 on Submitting Applications for Permission to Provide Consumer Loans and Other Loans and Credit to Consumers is repealed.
(3) In accordance with Section 58(10) of the Consumer Loans Act, proceedings initiated and not finally concluded before the entry into force of this Methodological Guidance shall be completed in accordance with this Methodological Guidance.

Vladimír Dvořáček sgd. Júlia Čillíková sgd.
Member of the Board of Directors and Executive Director Executive Director for the Supervision for the Supervision and Financial Stability and Protection of Financial Consumers National Bank of Slovakia National Bank of Slovakia