Imagine a bank having to keep a “rainy day fund” — its own money that it cannot lend out, held aside for bad times. Well, that fund is about to get bigger. On September 30, 2026, the Croatian National Bank (HNB) set a new countercyclical capital buffer rate: as of October 1, 2027, banks will … Read more
The Croatian Parliament passed the new Consumer Credit Act on July 15, 2026, bringing the biggest reforms to consumer and mortgage lending in the last 15 years. The law takes effect on November 20, 2026 — here’s what it actually means for your wallet.
Published in Narodne novine 86/2026 (August 7, 2026) | Effective November 20, 2026 The Croatian Parliament passed the new Consumer Credit Act on July 15, 2026 — the biggest reform of consumer lending since 2009. Published in the Official Gazette, the main rules kick in on November 20, 2026. Here is a complete overview of … Read more