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Code of conduct. Principles for responsible lending

"A professional association is the mirror of its members and their activity which has to be transferred to the knowledge of public in full transparency."

Adriana Ahciarliu
Secretary General
Financial Companies Association - ALB Romania

 

  1. Low nr.571/2003 - Fiscal Code
  2. Ordinance no.51/1997 - Leasing Law
  3. Law No. 449/2003 on sales of consumer goods and the associated guarantees
  4. OG 28/26.01.2006 - Leasing Law Non-banking Financial Institutions
  5. Low no. 266/2006 - To approve Government Ordinance No. 28/2006 that regulates certain financial and tax measures
  6. Low no. 287/2006 To amend and complement Government Decision No. 51/1997 on leasing operations and leasing companies
  7. Norm no. 6/2006 regarding the criteria of non-banking financial institutions registration in the Special Register
  8. Norm no. 11/2006 to amend and complete the Methodological Norms No. 12/2002 of the National Bank of Romania on how Regulation No. 5/2002 of the National Bank of Romania concerning the classification of credits and placements, as well as the formation, regulation and use of specific credit-related risk provisions, as amended, should be applied.
  9. Norm no. 12/2006 to complete Norm No. 11/2003 of the National Bank of Romania on individual and consolidated supervision of own funds
  10. Norm no. 20/2006 To amend and supplement Norms no. 10/2005 on the limitation of the lending risk attached to the loans extended to individuals.
  11. Norm no. 27/2006 to amend and complete Norms no. 4/2006 of the National Bank of Romania on how non-banking financial institutions should be notified and registered
  12. Order no. 2/2006 on how non-banking financial institutions should organise and keep their accounting records and prepare their financial statements
  13. Regulation no.4/2006 to modify and complete the National Bank of Romania’s Regulation on the currency regime, amended and completed, as well as to cancel the National Bank of Romania’s Norm no. 5/2005 concerning the authorization of the currency operations
  14. Regulation no. 6/2006 concerning the issue and use of electronic payment instruments and the relationship between participants involved in transactions using these instruments
  15. Regulation no. 8/2006 on customer identification standards for non-banking financial institutions
  16. Regulation no. 10/2006 regarding the notification of branches of credit institutions and the direct supply of services
  17. Regulation no. 11/2006 on the circulation of debt payment instruments
  18. Regulation no. 12/2006 to amend Regulation no. 5/2002 of the National Bank of Romania concerning the classification of credits and placements, as well as the creation, regulation and use of specific risk provisions, as amended and completed
  19. Ordonance Government no 28/2006 on the credit activity developed by non-banking financial institutions
  20. Order no. 23/2006 on additional adequacy requirements related to capital, inter-group transactions and concentration of risk in financial conglomerates
  21. Order no. 24/2006 to amend and complete Order no. 5/2005 of the Governor of the National Bank of Romania that approves the EU-compliant accounting regulations, applicable by credit institutions.
  22. Order no. 3/2007 to approve the templates of periodic financial statements and of methodological norms on how periodic financial statements should be prepared and used, applicable to credit institutions and non-banking financial institutions
  23. Order no. 4/2007 to complete Order No. 2/2006 of the National Bank of Romania on how accounting records should be organised and kept and on how non-banking financial institutions should prepare their financial statements
  24. Regulation no. 4/2007 to complete Regulation No. 5/2002 of the National bank of Romania on the classification of credits and placements, as well as the creation, regulation and use of credit risk provisions, as amended and completed
  25. Norm no.8/2007  to amend and complete the Methodological Norm no. 12/2002 of the National Bank of Romania on how Regulation no. 5/2002 of the National Bank of Romania concerning the classification of credits and placements, as well as the formation, the regulation and use of specific credit provisions, as amended and completed, should be applied
  26. Regulation no. 5/ 2007 on the amendments and completion of the Methodological Norms No. 12/2002 for the enforcement of the Regulations of the National Bank of Romania No. 5/2002 on the classification of credits and investments, as well as the establishment, regulation and use of specific credit risk provisions
  27. Law No. 227/2007 - For the approval of Government Emergency Ordinance No. 99/2006 on Credit Institutions and Capital Adequacy
  28. Norm no. 12/2007 on statistical reporting of balance sheet assets and liabilities of non-banking financial institutions
  29. Order no. 18/2007 to approve the templates of periodical financial statements applicable to non-banking financial institutions and the methodological norms governing the way in which the statements should be prepared and used.  Order no. 18  Appendix
  30. Norm no. 2/2007 that amends and supplements Norm no. 2/2006 on requirments regarding the minimum capital of non-banking financial institutions
  31. Norm no. 3/2007 to amend and complet  Norm no. 3/2006 of the National Bank of Romania regarding the General Register, Special Register and Entry Register
  32. Norm no. 4/2007  to amend and supplement Norm No. 6/2006 of the National Bank of Romania regarding the criteria based on which non-banking financial institutions are recorded in the Special Register
  33. Norm no. 5/2007 on the amendments and completion of the Methodological Norm no. 12/2002 for the enforcement of the Regulations of the National Bank of Romania no. 5/2002 on the classification of credits and investments, as well as the establishment, regulation and use of specific credit risk provisions
  34. Regulation No. 1/2008 on the conversion of Financial Institutions into Credit Institutions
  35. Regulation No. 2/2008 relating to the assessment of the adequacy of the supervisory framework in the third state of origin and the verification of the  quivalence of the supervision exercised by the competent authorities from third states with the one governed by the principles stipulated in the Government Emergency Ordinance No. 99/2006 regarding the credit institutions and the capital adequacy, approved as amended and completed by Law No. 227/2007
  36. Regulation No. 4 of 2008 regarding the classification of credits and placements, as well as the creation, regularisation and use of specific credit-risk provisions, as amended and completed
  37. Clarifications issued on 11 April 2008 regarding the way in which the amount included in the own additional Level 2 funds should be calculated over the last year before maturity, in the case of subordinated loans
  38. Regulation No. 5 of 18 February 2008 to approve the use of the standard approach or the alternative standard approach, for the operational risk. 
  39. OUG No. 174 of 19 November2008This Emergency Government Ordinance amends and complements some norms governing consumer protection  
  40. Regulation No. 2/20 January 2009  governing the enforcement of Regulation No. 3/2007 of the National Bank of Romania on the limitation of credit risks associated to credits extended to individuals
  41. Norm no. 3 of 13 February 2009 that amends Technical Norm No. 4/2008 of the National Bank of Romania regarding the cheque 
  42. Norm no. 4 of 13 February 2009 that amends Technical Norm No. 5/2008 of the National Bank of Romania regarding the bills of exchange and the promissory notes  
  43. Regulation No. 3 of 19 March 2009 on the classification of credits and investments, as well as on the creation, settlement and usage of specific credit risk provisions 
  44. Norm no. 5 of 30 March 2009 that amends and completes Norm No. 17/2006 of the National Bank of Romania on monitoring the exposures of non-banking financial institutions 
  45. CCR Decision no. 458/2009 referring to the plea of unconstitutionality with regard to 
  46. Low no. 93/08 April 2009  on non-banking financial institutions
  47. Norm no. 6 of 22 April 2009 that amends and completes Norm No. 16/2006 of the National Bank of Romania regarding equity capital of non-banking financial institutions 
  48. Regulation No. 7 of 23 April 2009 governing the enforcement of Regulation No. 3/2009 of the National Bank of Romania regarding the classification of credits and placements, as well as the creation, regularisation and use of specific credit-risk provisions 
  49. Regulation No. 8 of 12 May 2009 that amends and completes Regulation No. 4/2004 of the National Bank of Romania regarding the organisation and functioning of the Central Credit Register under the authority of the National Bank of Romania 
  50. Government Decision no. 791 from 2010 Methodological norms of enforcement of Law no. 571/2003 concerning Fiscal Code, approved by the Government Decision no. 44/2004, as well as for the enforcement of the Methodological norms for the enforcement of the provisions of Article III of the Emergency Government Ordinance no. 58/2010 for the modification and completion of Law no. 571/2003 concerning the Fiscal Code and other financial-fiscal measures
  51. Low no. 93 from 2010 on non-banking financial institutions
  52. Emergency Ordinance no. 54 from 2010  Concerning certain measures aimed at fighting tax evasion
  53. Order of the MMP no.457 from 2010  modification and completion of the Financing Guide of the Programme for stimulating the renewal of the national car fleet
  54. Order no. 4 from 2010 for the amendment of the models of the periodic financial statements and of the methodological norms concerning their drawing up and use, applicable to non-financial banking institutions, approved by Order No. 18/2007 of the National Bank of Romania
  55. Order no. 16 from 2009 on the amendment and completion of the Accounting Regulations in line with the European directives, applicable to credit institutions, non-banking financial institutions and to the Deposit Guarantee Fund in the banking system, approved by Order No. 13/2008 of the National Bank of Romania
  56. GOVERNMENT EMERGENCY ORDINANCE NO. 50 from 2010  on credit agreements for consumers.
  57. Government Emergency Ordinance No. 117 from 2009  regarding some measures governing the vehicle pollution tax.
  58. Regulation no. 28 from  On supervising the way in which international sanctions concerning the freeze of assets are enforced
  59. Regulation no. 2 from 2010 for the amendment of Regulations No. 20/2009 of the National Bank of Romania on nonbanking financial institutions
  60. Regulation no. 5 from 2010  for the amendment and completion of Regulations No. 20/2009 of the National Bank of Romania on non-banking financial institutions
  61. Regulation no. 20 from 2009  on the Non-Banking Financial Institutions