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Romanian banks may face new significant fines as the Competition Council investigates the use of FICO scores in credit approvals. The authority suspects that the current methodology may disadvantage borrowers seeking better loan conditions by lowering their FICO scores when applying to multiple banks. This could hinder competition and discourage clients from switching banks for better rates. The investigation is separate from the previous ROBOR case, where banks were fined approximately 3.73 billion lei. The Competition Council aims to determine if the processing of client information leads to anti-competitive effects, with findings expected by early 2027.