Protection of Consumer Loan Beneficiaries


- Decision on the Calculation and Reporting of the Effective Interest Rate on Loans and Deposits
(OGM 138/21, 27/24, 35/24, 135/25) - Unofficially consolidated translation



- Decision on the Content of Templates for Providing Pre-Contractual Consumer Loan Information to Consumers
(OGM 135/25)


- Decision on the Detailed Method, Requirements, and Procedure for the Consumer Creditworthiness Assessment
(OGM 135/25)


- Decision on More Detailed Conditions Regarding the Necessary Knowledge and Competence of Staff of Creditors and Credit Intermediaries and on the Conditions for the Provision of Credit Intermediation Services Relating to Housing Loans (OGM 135/25)


- Decision on Detailed Content of Requirements Regarding Commissions of Creditors’ and Credit Intermediaries’ Staff(OGM 135/25)


- Decision on the Method of Data Storage and the Detailed Content of Immovable Property Records
(OGM 135/25)


- Decision on Detailed Content and Method of Maintaining the Registry of Credit Intermediaries Providing Intermediation Services Relating to Housing Loans
(OGM 135/25)


- Decision on the Manner of Conducting Supervision of Credit Intermediaries in the Provision of Intermediation Services Relating to Housing Loans
(OGM 135/25)


- Decision on Registration of Credit Intermediaries with the Central Bank of Montenegro
(OGM 51/13)


- Decision on the Manner and Time Limits for Submitting Data on the Complaints of Clients of Credit Institutions and Financial Service Users
(OGM 47/23)


Templates for Complaints


- Decision on Notification of the Provision of Intermediation and Advisory Services Relating to Housing Loans in another Member State
(OGM 135/25) - it shall apply from the day of Montenegro’s accession to the European Union