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 establishes detailed requirements for applicants seeking permission to provide consumer credit, distinguishing between unrestricted licenses requiring a minimum paid-up share capital of EUR 500,000, restricted licenses for legal entities, and restricted licenses for natural persons requiring at least EUR 5,000 in own funds. The guidance mandates specific corporate governance structures, such as the establishment of a supervisory board for unrestricted licenses, and requires robust internal control systems, creditworthiness assessment procedures, and anti-money laundering protocols. It further specifies procedural obligations for application submission, including document authentication, translation requirements, and fee payment, while clarifying that the National Bank retains discretion to request additional evidence based on individual circumstances.

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Part 26/2026 NBS Bulletin – Methodological Guidance 1
_________________________________________________________________________________________ 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:

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Source: Narodna banka Slovenska — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works