947
Võlaõigusseaduse ja teiste seaduste muutmise seadus (uue tarbijakrediidi direktiivi ülevõtmine)
Introduced
15 June 2026
Last action
15 June 2026 · I_LUGEMINE_LOPETATUD
Status
I_LUGEMINE_LOPETATUD
Sponsors
Vabariigi Valitsus, Tõnis Mölder
Subjects
Discovery layer
Source updated
15 June 2026
Summary
Eelnõuga ajakohastatakse tarbijakrediidi reegleid vastavalt Euroopa Liidu uuele tarbijakrediidi direktiivile. Muudatuste eesmärk on tugevdada tarbijakaitset, ennetada ülelaenamist ning viia regulatsioon kooskõlla turu arengute ja digiüleminekuga. Samal ajal luuakse krediidiandjatele ühtsemad konkurentsitingimused kogu Euroopa Liidus. Olulise muudatusena laieneb tarbijakrediidi regulatsioon ka nn „osta nüüd, maksa hiljem“ ehk tasuta krediidilepingutele. Edaspidi peavad selliste teenuste pakkujad hindama tarbija krediidivõimet, esitama lepingueelse teabe ning järgima vastutustundliku laenamise põhimõtteid samamoodi nagu teiste krediiditoodete puhul. Muudatustega võetakse kasutusele ühtne Euroopa tarbijakrediidi standardinfo teabeleht ning täpsustatakse krediidivõime hindamise reegleid. Näiteks tuleb kaaslaenutaotlejate puhul arvestada nende ühist tagasimaksevõimet, teatud juhtudel suunata tarbija võlanõustamisse ning teavitada teda automatiseeritud otsustusprotsesside kasutamisest. Eelnõu mõjutab eelkõige krediidiandjaid, kes peavad kohandama oma IT-lahendusi, protsesse ja dokumentatsiooni uute nõuetega vastavusse viimiseks. Tarbijate jaoks tähendab muudatus suuremat läbipaistvust, paremat kaitset ja teadlikumaid laenuotsuseid. Samuti täpsustatakse maksehäireregistri pidamise korda ning järelevalveasutused saavad selgemad alused nõuete täitmise kontrollimiseks.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
15 June 2026
I_LUGEMINE_LOPETATUD
Source: SE
Votes
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Versions
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Documents
20 official files
Seletuskirja lisa 4 (märkused ja ettepanekud)
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Seletuskirja lisa 4 (märkused ja ettepanekud)
docx · ET · 17 September 2026
Seletuskirja lisa 3 (vastavustabel)
docx · ET · 17 September 2026
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Seletuskirja lisa 2 (rakendusakti kavand)
docx · ET · 17 September 2026
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Seletuskirja lisa 1 (analüüs)
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Seletuskiri
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Eelnõu
docx · ET · 17 September 2026
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Seletuskirja lisa 4 (märkused ja ettepanekud) pdf
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Seletuskirja lisa 4 (märkused ja ettepanekud) docx
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Seletuskirja lisa 3 (vastavustabel) pdf
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Seletuskirja lisa 2 (rakendusakti kavand) pdf
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Seletuskirja lisa 1 (analüüs) pdf
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Seletuskiri pdf
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Seletuskiri docx
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Eelnõu pdf
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Eelnõu docx
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Kaaskiri
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Algtekstid asice
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EIS teade
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Sponsors
- Vabariigi Valitsus · Vabariigi Valitsus · Initiator
- Tõnis Mölder · plenary-member
Related records
No cross-record relationships stored yet.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.riigikogu.ee/tegevus/eelnoud/c6c7b921-db8f-4006-82a1-a14aa03a317f/
- Open data entity: https://api.riigikogu.ee/api/volumes/c6c7b921-db8f-4006-82a1-a14aa03a317f
- estonia · c6c7b921-db8f-4006-82a1-a14aa03a317f · source updated 15 June 2026