The article discusses new regulatory requirements under Croatia's proposed Consumer Credit Law, which would require telecom operators to assess customers' creditworthiness before selling products on installment plans. The law, currently in parliamentary procedure, aims to protect consumers by expanding the scope of regulations to include installment agreements with no interest and device financing offers. Telecom companies—HT, A1, and Telemach—are expected to comply with these rules once they come into effect on June 1, 2027. While all three companies acknowledge the need to adapt their operations, they emphasize that the full impact on customer experience and business processes remains unclear at this stage. HT supports the law as part of broader efforts to promote responsible finance, while Telemach highlights that telecom operators are not financial institutions and that existing regulations already cover much of the relationship between providers and users.
Bias read (Center): The article presents a balanced view of the regulatory changes, quoting multiple telecom companies with similar concerns and perspectives. It does not take a clear ideological stance but rather reports on the implications of the proposed law and the industry's responses. There is no overtly positive





