{"id":103336,"date":"2026-01-31T13:17:13","date_gmt":"2026-01-31T13:17:13","guid":{"rendered":"https:\/\/www.europesays.com\/ro\/103336\/"},"modified":"2026-01-31T13:17:13","modified_gmt":"2026-01-31T13:17:13","slug":"creditele-de-consum-aduc-romania-in-vizorul-comisiei-europene-a-fost-declansata-procedura-de-infringement","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/ro\/103336\/","title":{"rendered":"Creditele de consum aduc Rom\u00e2nia \u00een vizorul Comisiei Europene. A fost declan\u0219at\u0103 procedur\u0103 de infringement"},"content":{"rendered":"

Comisia European\u0103 a declan\u0219at vineri o procedur\u0103 de infringement prin trimiterea unei scrisori de punere \u00een \u00eent\u00e2rziere unui num\u0103r de 23 de state membre, printre care \u015fi Rom\u00e2nia, pentru necomunicarea transpunerii complete a Directivei privind contractele de credit de consum.<\/p>\n

\t\t\t\"Un<\/p>\n

CE a declan\u0219at infringementul \u00eempotriva Rom\u00e2niei din cauza creditelor de consum. Foto Shutterstock<\/p>\n

Celelalte state <\/a>sunt Belgia, Bulgaria, Cehia, Germania, Estonia, Grecia, Spania, Fran\u0163a, Croa\u0163ia, Irlanda, Cipru, Lituania, Luxemburg, Letonia, Malta, \u0162\u0103rile de Jos, Austria, Polonia, Portugalia, Slovenia, Finlanda \u015fi Suedia.<\/p>\n

Directiva (UE) 2023\/2225 urm\u0103re\u015fte s\u0103 \u00eembun\u0103t\u0103\u0163easc\u0103 protec\u0163ia consumatorilor pe pia\u0163a creditelor, asigur\u00e2nd transparen\u0163a \u015fi echitatea \u00een opera\u0163iunile de credit \u00een toate statele membre. Statele membre trebuiau s\u0103 transpun\u0103 directiva \u00een legisla\u0163ia na\u0163ional\u0103 p\u00e2n\u0103 la 20 noiembrie 2025.<\/p>\n

P\u00e2n\u0103 \u00een prezent, cele 23 de state membre men\u0163ionate nu au comunicat Comisiei transpunerea complet\u0103 a directivei. Prin urmare, Comisia trimite scrisori de punere \u00een \u00eent\u00e2rziere statelor membre \u00een cauz\u0103, care au acum la dispozi\u0163ie dou\u0103 luni pentru a r\u0103spunde \u015fi a notifica Comisiei transpunerea complet\u0103 a acesteia. Dac\u0103 nu prime\u015fte un r\u0103spuns satisf\u0103c\u0103tor, Comisia poate decide s\u0103 emit\u0103 un aviz motivat.<\/p>\n

Separat, Comisia European\u0103 a decis s\u0103 ini\u0163ieze proceduri de constatare a ne\u00eendeplinirii obliga\u0163iilor prin trimiterea unei scrisori de punere \u00een \u00eent\u00e2rziere unui num\u0103r de 21 de state membre (Belgia, Bulgaria, Cehia, Germania, Estonia, Grecia, Spania, Croa\u0163ia, Irlanda, Cipru, Letonia, Luxemburg, Malta, \u0162\u0103rile de Jos, Austria, Polonia, Portugalia, Rom\u00e2nia, Slovenia, Finlanda \u015fi Suedia) pentru necomunicarea transpunerii complete a Directivei privind contractele de servicii financiare \u00eencheiate la distan\u0163\u0103.<\/p>\n

Directiva (UE) 2023\/2673 stabile\u015fte norme care sporesc nivelul de protec\u0163ie a consumatorilor pentru serviciile financiare v\u00e2ndute la distan\u0163\u0103, cum ar fi prin telefon sau online, \u00een special prin introducerea unui „buton de retragere” care le permite consumatorilor s\u0103 se retrag\u0103 dintr-un contract cu un singur clic. Statele membre trebuiau s\u0103 transpun\u0103 directiva \u00een legisla\u0163ia na\u0163ional\u0103 p\u00e2n\u0103 la 19 decembrie 2025<\/a>.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"Comisia European\u0103 a declan\u0219at vineri o procedur\u0103 de infringement prin trimiterea unei scrisori de punere \u00een \u00eent\u00e2rziere unui…\n","protected":false},"author":2,"featured_media":103337,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[32,33,31,1046,4846,33215,36,37,27,7889,74,34,35,25,41,40,38,39,26,28,29,30,71,72,73],"class_list":{"0":"post-103336","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-international","8":"tag-breaking-news","9":"tag-breakingnews","10":"tag-cele-mai-populare-subiecte","11":"tag-comisia-europeana","12":"tag-credite","13":"tag-directiva","14":"tag-featured-news","15":"tag-featurednews","16":"tag-headlines","17":"tag-infringement","18":"tag-international","19":"tag-latest-news","20":"tag-latestnews","21":"tag-news","22":"tag-ro","23":"tag-romana","24":"tag-romania","25":"tag-romanian","26":"tag-stiri","27":"tag-titluri","28":"tag-top-stories","29":"tag-topstories","30":"tag-world","31":"tag-world-news","32":"tag-worldnews"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@ro\/115989908203001697","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/103336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/comments?post=103336"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/posts\/103336\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media\/103337"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/media?parent=103336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/categories?post=103336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/ro\/wp-json\/wp\/v2\/tags?post=103336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}