+Članak 15. Zahtjevi u pogledu pružanja informacija za kreditne posrednike i imenovane predstavnike
---+Article 15 1.
---+Članak 15. 2.
---+Članak 15. 3.
---+Članak 15. 4.
---+Članak 15. 5.
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Članak 15. Zahtjevi u pogledu pružanja informacija za kreditne posrednike i imenovane predstavnike
1. Pregled
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Regulativa |
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Article 15 1.
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Member States shall ensure that in good time before the carrying out of any of the credit intermediation activities set out in point 5 of Article 4, the credit intermediary or appointed representative shall provide the consumer with at least the following information on paper or on another durable medium:
(a)
the identity and the geographical address of the credit intermediary;
(b)
the register in which he has been included, the registration number, where applicable, and the means for verifying such registration;
(c)
whether the credit intermediary is tied to or works exclusively for one or more creditors. Where the credit intermediary is tied to or works exclusively for one or more creditors, it shall provide the names of the creditors for which it is acting. The credit intermediary may disclose that it is independent where it meets the conditions laid down in accordance with Article 22(4);
(d)
whether the credit intermediary offers advisory services;
(e)
the fee, where applicable, payable by the consumer to the credit intermediary for its services or where this is not possible, the method for calculating the fee;
(f)
the procedures allowing consumers or other interested parties to register complaints internally about credit intermediaries and, where appropriate, the means by which recourse to out-of-court complaint and redress procedures can be sought;
(g)
where applicable, the existence and where known the amount of commissions or other inducements, payable by the creditor or third parties to the credit intermediary for their services in relation to the credit agreement. Where the amount is not known at the time of disclosure the credit intermediary shall inform the consumer that the actual amount will be disclosed at a later stage in the ESIS.
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Članak 15. 2.
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Kreditni posrednici koji nisu vezani, ali koji primaju proviziju od jednog ili više vjerovnika, na zahtjev potrošača daju na raspolaganje informacije o varijacijama u razinama provizije koju su dužni platiti različiti vjerovnici koji nude ugovore o kreditu koji se nude potrošaču. Potrošača se obavješćuje o pravu da zatraži takvu informaciju.
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Članak 15. 3.
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Ako kreditni posrednik naplati potrošaču naknadu i uz to primi proviziju od vjerovnika ili treće strane, kreditni posrednik dužan je potrošaču objasniti hoće li se provizija djelomično ili u potpunosti prebiti s naknadom.
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Članak 15. 4.
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Države članice osiguravaju da naknada, ako takva postoji, koju je potrošač dužan platiti kreditnom posredniku za njegove usluge, bude priopćena vjerovniku od strane kreditnog posrednika u svrhu izračuna EKS-a.
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Članak 15. 5.
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Države članice određuju da su kreditni posrednici dužni osigurati da, osim objava propisanih ovim člankom, njihov imenovani predstavnik otkrije potrošaču u kojem svojstvu djeluje i kojeg kreditnog posrednika predstavlja prije nego što kontaktira bilo kojeg potrošača ili s njime posluje.
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1.1 Reference
1.2 Utvrđeni zahtjevi
1.3 Povezani standardi
2. Utvrđeni zahtjevi
3. Povezani standardi
- Builddate: 30.12.2023 00:00:00 -Doknr: CELEX:32014L0017
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