376
Krediidiinkassode ja -ostjate seadus
Introduced
12 February 2024
Last action
12 June 2024 · Accepted
Status
AVALDATUD_RIIGITEATAJAS
Sponsors
Eduard Odinets, Vabariigi Valitsus
Subjects
Discovery layer
Source updated
12 June 2024
Summary
Eelnõu reguleerib inkassofirmade ja nendega seotud isikute, võlgade ülesostmise finantseerijate, tegevust, samuti võetakse inkassofirmade tegevus Finantsinspektsiooni kontrolli alla. Eestis tegelevad inkassofirmad erinevat liiki võlgade sissenõudmisega ja/või ka nende nõuete ülesostmisega. Eelnõu reguleerimisalasse ei kuulu aga siiski mitte kõik inkassofirmad, vaid üksnes need, kes tegelevad pankade või teiste krediidiandjate laenudest tulenevate võlgade sissenõudmisega või nende ülesostmisega. Muuhulgas kohaldub eelnõu lisaks tarbijakrediidile ka ettevõtjatele antud pangalaenudest tekkinud võlgnevustega seotud tegevustele. Seepärast määratleb nii eelnõu pealkiri kui eelnõu sisu inkassofirmad ning nendega seotud isikud krediidiinkassodena. Teadaolevalt tegelevad aga enamik Eestis asutatud ja tegutsevad inkassofirmad krediidilepingutest tulenevate võlgnevuste sissenõudmisega ja seega võiks eeldada, et seadus hakkab edaspidi kohalduma suuremale osale Eesti inkassoturust. Siiski kui mõni inkassofirma tegeleb näiteks üksnes trahvide või elatisvõlgnevuste sissenõudmisega, siis eelnõu sellise inkassofirma suhtes ei kohaldu. Hinnanguliselt kohalduks eelnõu ca 7 – 8 Eestis tegutsevale inkassofirmale. Eelnõu kohaselt tuleb inkassofirmadel taotleda finantsinspektsioonilt tegevusluba, samuti antakse finantsinspektsioonile volitus teha järelevalvet krediidiinkassode üle, sh erinevad sanktsioneerimisvõimalused (alates ettekirjutusest kuni väärteomenetluseni). Nähakse ette minimaalne kapitalinõue 25 000 eurot ja eraldi reeglid, kuidas krediidiinkasso peab nö võlglastelt laekunud vahendeid hoidma. Samuti nähakse ette usaldusväärsuse nõuded krediidiinkassode juhtidele ja omanikele, nt nõue, et krediidiinkasso juhiks ei saa olla isik, kes on varasemalt tegelenud liigkasuvõtmisega.
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Timeline
12 February 2024
AVALDATUD_RIIGITEATAJAS
Source: SE
12 June 2024
Accepted
Votes
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Documents
33 official files
Lõpptekst parandatud
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Lõpptekst parandatud
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Lõpptekst parandatud asice
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Vastuvõetud seadus parandusega
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Teatis vea parandamiseks
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Lõpptekst
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Lõpptekst asice
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Vabariigi Presidendi otsus
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Vabariigi Presidendi otsus asice
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Vastuvõetud seadus asice
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Kaaskiri Vabariigi Presidendile
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Vastuvõetud seadus
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Eelnõu
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Eelnõu
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Seletuskirja lisa 3 (kooskõlastustabel)
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Eelnõu
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EIS teade
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Kaaskiri
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Algtekstid asice
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Sponsors
- Eduard Odinets · plenary-member
- Vabariigi Valitsus · Vabariigi Valitsus · Initiator
Related records
No cross-record relationships stored yet.
Related across the Repo ecosystem
Direct relationships are identifier-backed. Topic context means shared TopicMembership — not a citation and not causation.
Direct relationships
- Legal framework · Krediidiinkassode ja -ostjate seadus · 376 · EE
- Identifier matchPROJECTS_FROM
Same estonia record 65742104-0a85-4a08-ba65-1374049b9658 projected from PoliticalRepo EE row.
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.riigikogu.ee/tegevus/eelnoud/65742104-0a85-4a08-ba65-1374049b9658/
- Open data entity: https://api.riigikogu.ee/api/volumes/65742104-0a85-4a08-ba65-1374049b9658
- estonia · 65742104-0a85-4a08-ba65-1374049b9658 · source updated 12 June 2024