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Infringement procedure against Romania for consumer credit contracts
The European Commission decided on Friday to start an infringement procedure by sending a letter of formal notice to 23 member states, including Romania, for failing to communicate the full transposition of the Directive on consumer credit agreements, a press release from the European Commission informs.
The other states are Belgium, Bulgaria, the Czech Republic, Germany, Estonia, Greece, Spain, France, Croatia, Ireland, Cyprus, Lithuania, Luxembourg, Latvia, Malta, the Netherlands, Austria, Poland, Portugal, Slovenia, Finland and Sweden.
Directive (EU) 2023/2225 aims to improve consumer protection on the credit market, ensuring transparency and fairness in credit operations in all member states. Member States had to transpose the directive into national law by 20 November 2025.
To date, the 23 Member States mentioned have not communicated the full transposition of the directive to the Commission. The Commission is therefore sending letters of formal notice to the Member States concerned, which now have two months to reply and notify the Commission of their full transposition. If it does not receive a satisfactory reply, the Commission may decide to issue a reasoned opinion.
Separately, the European Commission has decided to launch infringement procedures by sending a letter of formal notice to 21 Member States (Belgium, Bulgaria, Czech Republic, Germany, Estonia, Greece, Spain, Croatia, Ireland, Cyprus, Latvia, Luxembourg, Malta, the Netherlands, Austria, Poland, Portugal, Romania, Slovenia, Finland and Sweden) for failing to communicate the full transposition of the Directive on distance contracts for financial services.
Directive (EU) 2023/2673 lays down rules that increase the level of consumer protection for financial services sold at a distance, such as by telephone or online, in particular by introducing a "withdrawal button" that allows consumers to withdraw from a contract with a single click. Member states had to transpose the directive into national legislation by December 19, 2025.