On Jul. 10, LTH CB amended res on creditworthiness' evaluation.
LTH CB published Resolution No 2026/03-80 of Jul. 9, 2026, amending Resolution No 03-62 of Mar. 19, 2013 on the Approval of the Regulations on the Assessment of the Creditworthiness of Consumer Credit Recipients and Responsible Lending.
The Regulations establish the procedure for the assessment of the consumer credit recipients' creditworthiness, and implementation of responsible lending requirements.
Those must be followed by consumer credit providers and peer-to-peer lending platform operators when approving the rules for the assessment of creditworthiness and responsible lending and assessing the consumer credit recipients' creditworthiness.
The Regulations apply to consumer credit providers and peer-to-peer lending platform operators operating in accordance with the Law on Consumer Credit.
The Regulations' provisions concern the definition of responsible lending, the calculation of the average monthly premium, the data required to assess the creditworthiness of the consumer credit recipient before the conclusion of the contract.
Effectiveness
The resolution enters into force on Nov. 20, 2026.
Regulators
LTH CB
Entity Types
Bank; CNSM; MSB
Reference
OG 2026-11794, 7/10/2026; Res 2026/03-80, 7/9/2026; Res 03-62, 3/19/2013
