Inițiativă legislativă USR: IFN-urile, obligate să verifice identitatea clienților și să confirme închiderea creditului în 5 zile

A legislative initiative by USR aims to enhance consumer protection in credit agreements by requiring creditors to verify client identities and provide clear credit status updates within five days after contract termination. The proposal seeks to prevent identity fraud and ensure consumers receive timely notifications regarding their credit agreements. It emphasizes the responsibility of creditors to confirm identities before granting loans and to deliver standardized final credit statements, detailing payment history and outstanding balances. This initiative also aims to create a more coherent legal framework for consumer protection across different types of loans.