Svetovanje o odplačevanju dolga v okviru potrošniških kreditnih pogodb : dobre prakse in implementacija Direktive (EU) 2023/2225 v slovenski pravni red

slovenian

2026

volume 52, issue 1

consumer credits   debt counselling   debt management   Directive (EU) 2023/2225   over-indebtness   responsible lending

Narodna in univerzitetna knjižnica
(Obvezni izvod spletne publikacije)

Debt counselling service constitutes a new instrument of EU consumer law introduced by Directive 2023/2225 on consumer credits. The Directive brings substantial changes to the regulation of consumer credit, in particular by establishing mechanisms of responsible lending, aiming to prevent consumer over-indebtness and to provide comprehensive assistance to the individual facing serious financial difficulties. Approaches in this fiel have so far differ among EU Member states: in some countries counselling services have been in place for many years and are publicly founded, while in many Eastern Europe countries the system remains underdeveloped. In Slovenia, debt counselling is being introduced for the first time with the new Consumer Credit Act (ZPotK-3), which establishes counseling as a public service financed from public funds. The key question, however, is whether such an approach will effectively reduce consumer over-indebtness

12.10.2026