CroatiaThe article discusses the implementation of a new law on consumer credit in Croatia starting from November, which aims to strengthen consumer protection, promote responsible lending, and increase market transparency. The law introduces several changes, including reducing small print in loan agreements, preventing banks from increasing overdrafts without customer consent, and requiring both banks and telecom providers to assess creditworthiness before offering loans. It also states that consumers who already have installment plans will face stricter conditions when applying for additional credit. Financial analyst Petra Posedel Šimović notes that the focus has shifted from whether a bank will approve a loan to whether the individual can responsibly repay it. Additionally, the law provides free counseling for those struggling with debt, though it warns that credit may become less accessible for people with average incomes.
Lecture du biais (Centre): While the article covers a politically charged topic related to financial regulation and consumer rights, it presents balanced information by quoting both official statements and expert opinions. There is no clear ideological slant in the framing of the story, and the emphasis remains on factual and
