Malta: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

CJEU Rules On Transparency Requirements In Consumer Credit Agreements

On 13 February 2025, the Court of Justice of the European Union (the "CJEU") delivered a preliminary ruling in the case C-472/23 in the names Lexitor sp. z o.o. v A. B.S.A...

GA

Ganado Advocates

'Buy Now, Pay Later' Schemes Examined By The CJEU Under The Consumer Credit Directive

On 17 October 2024, the Court of Justice of the European Union delivered a ruling in the case of Riverty GmbH (legal successor of Arvato Finance BV) v MI (Case C-409/23), on the qualification of the so-called ‘buy-now-pay-later' schemes...

GA

Ganado Advocates

The CJEU Rules On The Obligation Of Traders When Online Contracts Are Concluded

On the 30th of May 2024, the Court of Justice of the European Union (the "CJEU") laid down its preliminary ruling in the case of VT and UR v Conny GmbH.

GA

Ganado Advocates

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

In examining the case of Nárokuj s.r.o. v EC Financial Services, a.s (C-755/22), the Court of Justice of the European Union (the "CJEU") considered the obligation which banks...

FM

Finance Malta

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

European Union Consumer

GA

Ganado Advocates

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

European Union Consumer

FM

Finance Malta

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

GA

Ganado Advocates

Consumer Protection: Unfair Terms In Consumer Contracts

GA

Ganado Advocates

The Consumer Credit Directive Revamped

GA

Ganado Advocates

Directive 93/13/EEC And Mandatory Statutory Or Regulatory Provisions In Consumer Contracts

European Union Consumer

FM

Finance Malta

Directive 93/13/EEC And Mandatory Statutory Or Regulatory Provisions In Consumer Contracts

GA

Ganado Advocates

Consumers' Right To Withdraw From Off-premises Contracts Already Performed

European Union Consumer

GA

Ganado Advocates

European Commission Issues Proposals Modernising Payment Services And Opening Financial Services Data

European Union Consumer

CP

Camilleri Preziosi Advocates

Power Cuts In Malta: Understanding Consumer Rights And Legal Solutions

WP

WH Partners

Immigration Comparative Guide

Malta Immigration

Yakof Agius & Associates

Transfer Pricing: Comparability And Benchmarking In A Small Island State (Video)

BD

BDO Malta

Malta Sotheby's International Realty - Curators Of The Unique (Video)

Malta Real Estate

MS

Malta Sotheby's International Realty

A Property Journey To Worldwide Exposure | Malta Sotheby's International Realty (Video)

Malta Real Estate

MS

Malta Sotheby's International Realty

Malta Post-MiCA: What's Next For Crypto Market Participants

Malta Technology

GA

GVZH Advocates

Consumer Law

Breaking Barriers: The European Accessibility Act

The European Accessibility Act ("EAA"), formally known as Directive (EU) 2019/882 (and the Maltese transposition through the "Accessibility Measures (European Accessibility Act)...

Malta Commercial

GA

Ganado Advocates

New VAT Rules For Virtual Events

Until 31 December 2024, VAT was levied on live-streamed events, including live virtual events, where that event took place. This means that live-streamed events were subject to VAT in the country in which the event...

GT

Grant Thornton Malta

'Buy Now, Pay Later' Schemes Examined By The CJEU Under The Consumer Credit Directive

On 17 October 2024, the Court of Justice of the European Union delivered a ruling in the case of Riverty GmbH (legal successor of Arvato Finance BV) v MI (Case C-409/23), on the qualification of the so-called ‘buy-now-pay-later' schemes...

GA

Ganado Advocates

Defining 'Consumer' Status: CJEU Ruling On Mortgage Agreements For Buy-to-let Properties

GA

Ganado Advocates

The CJEU Rules On The Obligation Of Traders When Online Contracts Are Concluded

GA

Ganado Advocates

Navigating AI Accountability: The EU's AI Liability Directive And Its Implications

Malta Technology

GA

GVZH Advocates

The MFSA Consults On A Draft Conduct Of Business Rulebook For Banks

GA

Ganado Advocates

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

GA

Ganado Advocates

Consumer Inertia – Service Providers Should Not Be At Fault When Consumers Fail To Read Policy Documents

GA

Ganado Advocates

See more

Consumer Credit

MFSA Issues Finalised Conduct Of Business Rulebook For Banks

On 28 February 2025, the MFSA published a Conduct of Business Rulebook (the "Rulebook") for credit institutions offering retail products and services with the aim of enhancing consumer protection in the banking sector.

GA

Ganado Advocates

CJEU Rules On Transparency Requirements In Consumer Credit Agreements

On 13 February 2025, the Court of Justice of the European Union (the "CJEU") delivered a preliminary ruling in the case C-472/23 in the names Lexitor sp. z o.o. v A. B.S.A...

GA

Ganado Advocates

'Buy Now, Pay Later' Schemes Examined By The CJEU Under The Consumer Credit Directive

On 17 October 2024, the Court of Justice of the European Union delivered a ruling in the case of Riverty GmbH (legal successor of Arvato Finance BV) v MI (Case C-409/23), on the qualification of the so-called ‘buy-now-pay-later' schemes...

GA

Ganado Advocates

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

FM

Finance Malta

The MFSA Consults On A Draft Conduct Of Business Rulebook For Banks

FM

Finance Malta

A Creditor's Obligation To Assess The Creditworthiness Of A Consumer

European Union Consumer

GA

Ganado Advocates

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

European Union Consumer

FM

Finance Malta

Changing The Terms Of A Credit Agreement And Forbearance Policies And Measures: New Obligations On Lenders In Consumer And Residential Property Credit Agreements

GA

Ganado Advocates

The Consumer Credit Directive Revamped

GA

Ganado Advocates

See more

Dodd-Frank, Consumer Protection Act

Navigating Regulatory Overlap: EBA Clarifies Interplay Between PSD2 And MiCA

In a much-anticipated opinion, the European Banking Authority (EBA) has addressed one of the most pressing regulatory questions...

G

GTG

Shifting The Burden? The Impact Of Act No. IX Of 2025 On Financial Service Provider Liability

Act No. IX of 2025 has introduced a number of amendments to the Arbiter for Financial Services Act (Cap. 555). While most of these changes are relatively minor (see summary below)...

CP

Camilleri Preziosi Advocates

MFSA Issues Finalised Conduct Of Business Rulebook For Banks

On 28 February 2025, the MFSA published a Conduct of Business Rulebook (the "Rulebook") for credit institutions offering retail products and services with the aim of enhancing consumer protection in the banking sector.

GA

Ganado Advocates

Directive 93/13/EEC And Mandatory Statutory Or Regulatory Provisions In Consumer Contracts

European Union Consumer

FM

Finance Malta

Directive 93/13/EEC And Mandatory Statutory Or Regulatory Provisions In Consumer Contracts

GA

Ganado Advocates

Consumers' Right To Withdraw From Off-premises Contracts Already Performed

European Union Consumer

GA

Ganado Advocates

European Commission Issues Proposals Modernising Payment Services And Opening Financial Services Data

European Union Consumer

CP

Camilleri Preziosi Advocates

Representative Actions Directive Transposed Into Maltese Law

Malta Litigation

GA

Ganado Advocates

CJEU Clarifies Legal Consequences Of Invalid Loan Agreement Due To Unfair Terms

GA

Ganado Advocates

See more

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