258/2016 Sb.
LAW
of 14 July 1999. July 2016,
amending certain laws in connection with the adoption of the law on
consumer credit
Parliament has passed the following Act of the United States:
PART THE FIRST
Amendment of the Act on the Czech commercial inspection
Article. (I)
Act No. 64/1986 Coll., on Czech commercial inspection, as amended by Act No.
240/1992 Coll., Act No. 22/1997 Coll., Act No. 110/1997 Coll., Act No.
189/1999 Coll., Act No. 71/2000 Coll., Act No. 146/2000 Coll., Act No.
102/2001 Coll., Act No. 320/2001 Coll., Act No. 204/2002 Coll., Act No.
309/2002 Coll., Act No. 228/2003 Coll., Act No. 441/2003 Coll., Act No.
444/2005 Coll., Act No. 229/2006 Coll., Act No. 160/2007 Coll., Act No.
36/2008 Coll., Act No. 281/2009 Coll., Act No. 490/2009 Coll., Act No.
145/2010 Coll., Act No. 155/2010 Coll., Act No. 219/2007 Coll., Act No.
458/2011 Coll., Act No. 18/2009 Coll., Act No. 407/2009 Coll., Act No.
308/2013 Coll., Act No. 64/2014 Coll., Act No. 250/2014 Coll. and Act No.
378/2015 Coll., is amended as follows:
1. In article 2 (2). 1 the words "providing consumer credit ' shall be deleted.
2. In article 2 (2). 2 at the end of paragraph (e)) the comma is replaced by a dot and the
the letter f) including footnote No. 1f repealed.
PART TWO
Amendment to the Trade Licensing Act
Article II
Act No. 455/1991 Coll., on trades (Trade Act),
as amended by Act No. 234/1992 Coll., Act No. 586/1992 Coll., Act No.
600/1992 Coll., Act No. 273/1993 Coll., Act No. 303/1993 Coll., Act No.
38/1994 Coll., Act No. 42/1994 Coll., Act No. 133/1994 Coll., Act No.
200/1994 Coll., Act No. 237/1995 Coll., Act No. 283/1995 Coll., Act No.
94/1996 Coll., Act No. 95/1996 Coll., Act No. 147/1996 Coll., Act No.
19/1997 Coll., Act No. 49/1997 Coll., Act No. 61/1997 Coll., Act No.
79/1997 Coll., Act No. 217/1997 Coll., Act No. 277/1997 Coll., Act No.
15/1998 Coll., Act No. 82/1998 Coll., Act No. 157/1998 Coll., Act No.
167/1998 Coll., Act No. 159/1999 Coll., Act No. 359/1999 Coll., Act No.
363/1999 Coll., Act No. 360/1999 Coll., Act No. 363/1999 Coll., Act No.
27/2000 Coll., Act No. 29/2000 Coll., Act No. 121/2000 Coll., Act No.
122/2000 Coll., Act No. 121/2000 Coll., Act No. 128/2000 Coll., Act No.
149/2000 Coll., Act No. 151/2000 Coll., Act No. 155/2000 Coll., Act No.
247/2000 Coll., Act No. 247/2000 Coll., Act No. 258/2000 Coll., Act No.
308/2000 Coll., Act No. 367/2000 Coll., Act No. 406/2000 Coll., Act No.
458/2000 Coll., Act No. 61/2001 Coll., Act No. 100/2001 Coll., Act No.
120/2001 Coll., Act No. 164/2001 Coll., Act No. 257/2001 Coll., Act No.
273/2001 Coll., Act No. 477/2001 Coll., Act No. 483/2001 Coll., Act No.
501/2001 Coll., Act No. 86/2002 Coll., Act No. 119/2002 Coll., Act No.
174/2002 Coll., Act No. 281/2002 Coll., Act No. 312/2002 Coll., Act No.
320/2002 Coll., Constitutional Court, declared under no. 476/2002 Coll.
Act No. 88/2003 Coll., Act No. 130/2003 Coll., Act No. 162/2003 Coll.
Law No 224/2003 Coll., Act No. 228/2003 Coll., Act No. 274/2003 Coll.
Act No. 356/2003 Coll., Act No. 441/2003 Coll., Act No. 38/2004 Coll.,
Act No. 119/2004 Coll., Act No. 167/2004 Coll., Act No. 256/2004 Coll.,
Act No. 326/2004 Coll., Act No. 499/2004 Coll., Act No. 695/2004 Coll.,
Law No 58/2005 Coll., Act No. 95/2005 Coll., Act No. 127/2005 Coll.
Act No 215/2005 Coll., Act No. 251/2005 Coll., Act No. 361/2005 Coll.
Act No. 428/2005 Coll., Act No 444/2005 Coll., Act No. 62/2006 Coll.
Act No. 76/2006 Coll., Act No. 109/2006 Coll., Act No. 115/2006 Coll.
Act No. 137/2006 Coll., Act No. 159/2006 Coll., Act No. 165/2006 Coll.
Act No. 179/2006 Coll., Act No. 186/2006 Coll., Act No. 191/2006 Coll.
Act No. 216/2006 Coll., Act No. 216/2006 Coll., Act No. 225/2006 Coll.
Act No. 309/2006 Coll., Act No. 315/2006 Coll., Act No. 160/2007 Coll.
Act No. 269/2007 Coll., Act No. 270/2007 Coll., Act No. 296/2007 Coll.
Act No. 130/2008 Coll., Act No. 189/2008 Coll., Act No. 230/2008 Coll.,
Act No. 254/2008 Coll., Act No. 274/2008 Coll., Constitutional Court,
declared under the no 151/2009 Coll., Act No. 227/2009 Coll., Act No.
285/2009 Coll., Act No. 145/2010 Coll., Act No. 155/2010 Coll., Act No.
160/2010 Coll., Act No. 424/2010 Coll., Act No. 427/2010 Coll., Act No.
73/2011 Coll., Act No. 152/2007 Coll., Act No. 350/2011 Coll., Act No.
351/2007 Coll., Act No. 355/2007 Coll., Act No. 375/2007 Coll., Act No.
420/2011 Coll., Act No. 428/2007 Coll., Act No. 458/2007 Coll., Act No.
53/2009 Coll., Act No. 119/2009 Coll., Act No. 167/2009 Coll., Act No.
169/2009 Coll., Act No. 199/2009 Coll., Act No. 201/2009 Coll., Act No.
202/2009 Coll., Act No. 221/2009 Coll., Act No. 407/2009 Coll., Act No.
234/2013 Coll., Act No. 241/2013 Coll., Act No. 279/2013 Coll., Act No.
303/2013 Coll., Act No. 308/2013 Coll., Act No. 309/2013 Coll., Act No.
127/2014 Coll., Act No. 140/2014 Coll., Act No. 267/2014 Coll., Act No.
206/2015 Coll., Act No. 267/2015 Coll., Act No. 88/2016 Coll., Act No.
91/2016 Coll. and Act No. 126/2016 Coll., is amended as follows:
1. In article 3, paragraph 3. 3 at the end of the text of subparagraph (a)) the following words
"the provision and mediation of consumer credit and activity
accredited persons under the law governing consumer loan, ".
2. in annex No. 2 TRADES TIED to business "providing
or mediation of consumer credit "is deleted.
PART THREE
Amendment of the law on court fees
Article. (III)
In the annex to the Act No. 553/1991 Coll. on court fees, as amended by
Act No. 271/1992 Coll., Act No. 273/1994 Coll., Act No. 36/1995 Coll.
Act No. 118/1995 Coll., Act No. 160/1995 Coll., Act No. 151/1997 Coll.
Act No. 209/1997 Coll., Act No. 227/1997 Coll., Act No. 101/2000 Coll.,
Act No. 155/2000 Coll., Act No. 242/2000 Coll., Act No. 257/2000 Coll.,
Act No. 452/2001 Coll., Act No. 151/2002 Coll., Act No. 192/2003 Coll.
Act No. 561/2004 Coll., Act No. 628/2004 Coll., Act No. 357/2005 Coll.
Act No. 72/2006 Coll., Act No. 112/2006 Coll., Act No. 115/2006 Coll.
Act No. 159/2006 Coll., Act No. 189/2006 Coll., Act No. 296/2007 Coll.
Act No. 123/2008 Coll., Act No. 216/2008 Coll., Act No. 7/2009 Coll.,
Act No. 217/2009 Coll., Act No. 281/2009 Coll., Act No. 427/2010 Coll.,
Act No. 218/2007 Coll., Act No. 303/2007 Coll., Act No. 457/2011 Sb.
Act No. 458/2011 Coll., Act No. 19/2009 Coll., Act No. 202/2009 Coll.,
Act No. 396/2009 Coll., Act No. 404/2012 Coll., Act No. 45/Sb.
Act No. 167/2013 Coll., Act No. 293/2013 Coll., Act No. 335/2014 Sb.
Act No. 87/2015 Coll. and Act No. 161/2016 Coll., item 17a is inserted:
"Item 17a
For the application for annulment of an arbitration award of $100 ".
PART FOUR
Amendment of the Act on banks
Article IV
Act No. 21/1992 Coll., on banks, as amended by Act No. 265/1992 Coll.,
Act No. 293/1993 Coll., Act No. 154/1994 Coll., Act No. 83/1995 Coll.
Law No. 84/1995 Coll., Act No. 61/1996 Coll., Act No. 306/1997 Coll.
Act No. 16/1998 Coll., Act No. 125/1998 Coll., Act No. 167/1998 Coll.,
Act No 120/2001 Coll., Act No. 239/2001 Coll., Act No. 320/2001 Coll.
Act No. 126/2002 Coll., Act No. 461/2003 Coll., Act No. 256/2004 Coll.,
Act No. 435/2004 Coll., Act No. 377/2005 Coll., Act No. 413/2005 Coll.
Act No 56/2006 Coll., Act No. 57/2006 Coll., Act No. 62/2006 Coll.
Act No. 70/2006 Coll., Act No. 159/2006 Coll., Act No. 189/2006 Coll.
Act No. 120/2007 Coll., Act No. 296/2007 Coll., Act No. 126/2008 Coll.,
Act No. 216/2008 Coll., Act No. 230/2008 Coll., Act No. 254/2008 Coll.,
Act No. 433/2008 Coll., Act No. 215/2009 Coll., Act No. 227/2009 Coll.,
Act No. 230/2009 Coll., Act No. 281/2009 Coll., Act No. 285/2009 Coll.,
Act No. 287/2009 Coll., Act No. 156/2010 Coll., Act No. 160/2010 Coll.,
Act No. 409/2010 Coll., Act No. 41/2007 Coll., Act No. 73/2007 Coll.
Act No. 139/2011 Coll., Act No. 188/2011 Coll., Act No. 263/2007 Coll.
Act No 420/2007 Coll., Act No. 428/2007 Coll., Act No. 458/2007 Coll.
Act No. 470/2011 Coll., Act No. 37/2009 Coll., Act No. 254/2009 Coll.,
Act No. 396/2009 Coll., Act No. 227/2013 Coll., Act No. 241/Sb.
Act No. 303/2013 Coll., Act No. 135/2014 Coll., Act No. 219/2015 Sb.
Act No. 220/2015 Coll. and Act No. 375/2015 Coll., is amended as follows:
1. In article 1 (1). 3 at the end of the text of the letter i), the words ";
If the financial brokerage in the mediation of the consumer
the loan, the Bank can carry out this work only if one of the
the persons authorized to mediate consumer loan under the Act
governing consumer credit ".
2. In article 1 (1). 4, the following sentence "the Bank may carry out an activity
accredited persons under the law governing the activity of accredited
people in the financial market, if an accredited person under such
of the law. ".
3. In section 25a paragraph 1. 3 at the end of subparagraph (d)) the dot is replaced by "a" and
the following point (e)), which read as follows:
"(e)) the provision of information to the European Parliament for the purpose of exercising
investigative powers under art. 226 of the Treaty on the functioning of the European
Union. ".
PART FIVE
Amendment of the Act on reserves for the findings of the corporate tax base
Article. In
Act No. 593/1992 Coll., on reserves for the findings of the corporate tax base,
as amended by Act No 157/1993 Coll., Act No. 323/1993 Coll., Act No.
244/1994 Coll., Act No. 132/1995 Coll., Act No. 209/1997 Coll., Act No.
333/1998 Coll., Act No. 363/1999 Coll., Act No. 492/2000 Coll., Act No.
126/2002 Coll., Act No. 260/2002 Coll., Act No. 176/2003 Coll., Act No.
441/2003 Coll., Act No. 669/2004 Coll., Act No. 377/2005 Coll., Act No.
545/2005 Coll., Act No. 223/2006 Coll., Act No. 261/2007 Coll., Act No.
296/2007 Coll., Act No. 126/2008 Coll., Act No. 2/2009 Coll., Act No.
216/2009 Coll., Act No. 278/2009 Coll., Act No. 346/2010 Coll., Act No.
458/2011 Coll., legal measures the Senate no 344/2013 Coll., Act No.
267/2014 Coll. and Act No. 221/2015 Coll., is amended as follows:
1. In section 5a paragraph 2. 2 letter a) is added:
") are persons authorized to provide consumer credit by
the law governing consumer loan and ".
Footnote # 6f is hereby repealed.
2. In section 5a paragraph 2. 2 at the end of subparagraph (b)) a comma is replaced by a dot and the
subparagraph (c)) shall be deleted.
3. In section 5a paragraph 2. 4 (b). (c)), the words "other financial institutions,
where the amount of the share capital on the last day of the tax period shall be
at least Czk 2 000 000 ' shall be replaced by "the remaining other financial
the institutions ".
Čl.VI
Transitional provision
The provisions of section 5a of the Act No. 593/1992 Coll., in the version in force from the date of acquisition
the effectiveness of this law, shall be applied from the first day of the tax period
or the period in which the tax return is served, in which the other
financial institution ceases to trade licence for the provision of
loans.
PART SIX
Amendment of the Act on Česká národní banka
Article. (VII)
Act No. 6/1993 Coll. on Česká národní banka, as amended by Act No. 61/1993
Coll., Act No. 15/1998 Coll., Act No. 442/2000 Coll., constitutional
the Court declared under no. 276/2001 Coll., Act No. 483/2001 Coll., Act
No 127/2002 Coll., Act No. 256/2004 Coll., Act No. 377/2005 Coll., Act
No 57/2006 Coll., Act No. 62/2006 Coll., Act No. 230/2006 Coll., Act
No 160/2007 Coll., Act No. 36/2008 Coll., Act No. 124/2008 Coll., Act
No 254/2008 Coll., Act No. 281/2009 Coll., Act No. 285/2009 Coll., Act No.
295/2009 Coll., Act No. 145/2010 Coll., Act No. 156/2010 Coll., Act No.
41/2007 Coll., Act No. 92/2011 Coll., Act No. 136/2010 Coll., Act No.
139/2011 Coll., Act No. 357/2011 Coll., Act No. 428/2007 Coll., Act No.
227/2013 Coll., Act No. 135/2014 Coll., Act No. 204/2015 Coll., Act No.
375/2015 Coll. and Act No. 377/2015 Coll., is amended as follows:
1. In section 44 para. 1, the following point (d)) the following point (e)), which read as follows:
"e) non-banking consumer credit providers, separate
the provider, the provider of the bound of consumer credit,
tied agents and foreign agents under the Act
governing consumer credit, and ".
Letter e) is renumbered as paragraph (f)).
2. In § 44a para. 1 the first sentence, the word "negotiation" is replaced by
"the provision or mediation".
3. footnote # 9 is added:
"9 m) Act No. 257/2016 Coll., on consumer credit.".
4. In § 44a para. 1 at the end of the text of the first sentence, the words "or
similar permissions to operating on the territory of the Czech Republic issued by the
foreign authority ".
PART SEVEN
Amendment of the Act on arbitration and the enforcement of arbitral awards
Article. (VIII)
Act No. 216/1994, Coll., on arbitration proceedings and enforcement of arbitral awards,
as amended by law No 245/2006 Coll., Act No. 296/2007 Coll., Act No.
7/2009 Coll., Act No. 466/2011 Coll., Act No. 19/2009 Coll., Act No.
91/2012 Coll. and Act No. 303/2013 Coll., is amended as follows:
1. In article 2 (2). 1, after the words "with the exception of", the words "litigation of
the contracts concluded by the consumer, the entrepreneur, ".
2. in article 3, paragraphs 3 to 6 shall be deleted.
3. in article 4, paragraph 3 is deleted.
4. In article 8, paragraph 3 is deleted.
5. in article 15, paragraph 2. 2, the last sentence shall be deleted.
6. § 25 para. 2, the last sentence shall be deleted.
7. § 25 para. 3, the last sentence shall be deleted.
8. in section 31) points (g) and (h)) shall be deleted.
The present letter i) is renumbered as paragraph (g)).
9. In § 32 para. 1, the last sentence shall be deleted.
10. In article 32, paragraph 3 shall be deleted.
11. In paragraph 33, the last sentence shall be deleted.
12. In paragraph 34, the words ' a), (b)), "are replaced by the words" and) or (b)), "and the words" g)
or (h)), "shall be deleted;
13. in section 34 para. 2 the words "in section 31 (a). c) to (f)) or even) "are replaced by
the words "in section 31 (a). (c) to (g))) ".
14. In article 34, paragraph 3 shall be deleted.
15. in section 35 para. 1, point (b)) shall be deleted.
Subparagraph (c)) and (d)) shall become point (b)), and (c)).
16. Part six, including the title.
Article. (IX)
Transitional provisions
1. the validity of the arbitration agreement shall be assessed according to the Act No. 216/1994, Coll.,
in the version in force at the time of the conclusion of the arbitration agreement.
2. the arbitration proceedings initiated on the basis of arbitration agreements concluded
before the date of entry into force of this Act shall discuss and decide
According to the existing legislation.
3. the provisions of section 40a to § 40 d Act No. 216/1994, Coll., in relation to the
registered in the list of arbitrators the arbitrators on the day preceding the date of
entry into force of this Act shall apply in the version in force before the date of
entry into force of this Act.
PART EIGHT
Amendment of the Act on building savings
Article. X
Law No. 96/1993 Coll., on building savings and State aid for the building
savings and the addition of the Czech National Council Act No. 586/1992 Coll., on the
income taxes, as amended by Act of the Czech National Council No. 35/1993 Coll., on
amended by Act No. 83/1995 Coll., Act No. 423/2003 Coll., Act No. 292/2005
Coll., Act No. 159/2006 Coll., Act No. 342/2006 Coll., Act No. 227/2009
Coll., Act No. 281/2009 Coll., Act No. 348/2010 Coll., Act No. 263/2011
Coll., the Act No. 353/2010 Coll., Act No. 303/2013 Coll., Act No. 64/2014
Coll., Act No. 135/2014 Coll. and Act No. 104/2016 Coll., is amended as follows:
1. in § 9 para. 1 at the end of the text of the letter j), the words ";
If the financial brokerage in the mediation of the consumer
the loan, the building society to carry out this work only when the
If any of the persons authorized to mediate consumer credit
under the law governing consumer loan ".
2. § 9 para. 1 at the end of subparagraph (j)) is replaced by a comma and dot
the letter k is added), which read as follows:
"to carry out the activity of accredited persons) under the law governing
consumer credit. ".
PART NINE
Amendment of the Act on savings and credit cooperatives
Article. XI
In section 25a paragraph 1. 3 of Act No. 87/1995 Coll., on credit unions
cooperatives and certain related measures and
the Czech National Council Act No. 586/1992 Coll., on income taxes, as amended by
amended, as amended by law No 377/2005 Coll., Act No.
120/2007 Coll., Act No. 41/2007 Coll. and Act No. 135/2014 Sb, the
the end of paragraph (c)) the dot is replaced by "and" and the following subparagraph (d)),
added:
"(d)) the provision of information to the European Parliament for the purpose of exercising
investigative powers under art. 226 of the Treaty on the functioning of the European
Union. ".
PART TEN
Amendment of the Act on administrative fees
Article. (XII)
Act No 634/2004 Coll., on administrative fees, as amended by Act No.
217/2005 Coll., Act No. 228/2005 Coll., Act No. 361/2005 Coll., Act No.
361/2005 Coll., Act No 444/2005 Coll., Act No. 553/2005 Coll., Act No.
48/2006 Coll., Act No. 56/2006 Coll., Act No. 57/2006 Coll., Act No.
81/2006 Coll., Act No. 109/2006 Coll., Act No. 112/2006 Coll., Act No.
130/2006 Coll., Act No. 137/2006 Coll., Act No. 137/2006 Coll., Act No.
161/2006 Coll., Act No. 179/2006 Coll., Act No. 186/2006 Coll., Act No.
215/2006 Coll., Act No. 227/2006 Coll., Act No. 227/2006 Coll., Act No.
235/2006 Coll., Act No. 309/2006 Coll., Act No. 575/2006 Coll., Act No.
106/2007 Coll., Act No. 261/2007 Coll., Act No. 261/2007 Coll., Act No.
374/2007 Coll., Act No. 379/2007 Coll., Act No. 38/2008 Coll., Act No.
130/2008 Coll., Act No. 140/2008 Coll., Act No. 182/2008 Coll., Act No.
189/2008 Coll., Act No. 230/2008 Coll., Act No. 239/2008 Coll., Act No.
254/2008 Coll., Act No. 297/2008 Coll., Act No. 297/2008 Coll., Act No.
301/2008 Coll., Act No. 309/2008 Coll., Act No 312/2008 Coll., Act No.
382/2008 Coll., Act No. 9/2009 Coll., Act No. 41/2009 Coll., Act No.
141/2009 Coll., Act No. 197/2009 Coll., Act No. 207/2009 Coll., Act No.
228/2009 Coll., Act No. 281/2009 Coll., Act No. 291/2009 Coll., Act No.
301/2009 Coll., Act No. 346/2009 Coll., Act No. 420/2009 Coll., Act No.
129/2010 Coll., Act No. 148/2010 Coll., Act No. 153/2010 Coll., Act No.
160/2010 Coll., Act No. 343/2010 Coll., Act No. 427/2010 Coll., Act No.
30/2011 Coll., Act No. 105/2007 Coll., Act No. 133/2007 Coll., Act No.
134/2011 Coll., Act No. 152/2007 Coll., Act No. 188/2007 Coll., Act No.
245/2011 Coll., Act No. 249/2011 Coll., Act No. 255/2007 Coll., Act No.
262/2007 Coll., Act No. 300/2011 Coll., Act No. 308/2007 Coll., Act No.
329/2011 Coll., Act No. 344/2007 Coll., Act No. 349/2007 Coll., Act No.
350/2011 Coll., Act No. 357/2010 Coll., Act No. 367/2007 Coll., Act No.
375/2007 Coll., Act No. 428/2007 Coll., Act No. 457/2011 Coll., Act No.
458/2011 Coll., Act No. 472/2010 Coll., Act No. 19/2009 Coll., Act No.
37/2009 Coll., Act No. 53/2010 Coll., Act No. 119/2009 Coll., Act No.
169/2009 Coll., Act No. 172/2009 Coll., Act No. 202/2009 Coll., Act No.
221/2009 Coll., Act No. 225/2012 Coll., Act No. 274/2009 Coll., Act No.
350/2012 Coll., Act No. 359/2012 Coll., Act No. 399/2012 Coll., Act No.
407/2009 Coll., Act No. 428/2009 Coll., Act No. 496/2012 Coll., Act No.
502/2012 Coll., Act No. 503/2012 Coll., Act No. 50/2013 Coll., Act No.
69/2013 Coll., Act No. 102/2013 Coll., Act No. 170/2013 Coll., Act No.
185/2013 Coll., Act No. 186/2013 Coll., Act No. 232/2013 Coll., Act No.
239/2013 Coll., Act No. 241/2013 Coll., Act No. 257/2013 Coll., Act No.
273/2013 Coll., Act No. 279/2013 Coll., Act No. 281/2013 Coll., Act No.
306/2013 Coll., Act No. 313/2013 Coll., legal measures the Senate No.
344/2013 Coll., Act No. 101/2014 Coll., Act No. 127/2014 Coll., Act No.
187/2014 Coll., Act No. 249/2014 Coll., Act No. 257/2014 Coll., Act No.
259/2014 Coll., Act No. 264/2014 Coll., Act No. 268/2014 Coll., Act No.
331/2014 Coll., Act No. 81/2015 Coll., Act No. 103/2015 Coll., Act No.
204/2015 Coll., Act No. 206/2015 Coll., Act No. 224/2015 Coll., Act No.
268/2015 Coll., Act No. 314/2015 Coll., Act No. 318/2015 Coll., Act No.
113/2016 Coll., Act No. 126/2016 Coll., Act No. 137/2016 Coll. and act
No 148/2016 Coll., is amended as follows:
1. In the annex, item 10, the letter g) including footnote # 9b
repealed.
Letter h) is renumbered as paragraph (g)).
2. In the annex, item 65 in point 9, the following points (n)) to q)
shall be added:
"n) to grant permissions to the activities
non-banking provider
consumer credit $50 000
about) to grant permissions to the activities
a separate provider
under the law governing
consumer credit $10 000
p) accreditation under the law governing
consumer credit $50 000
q) the extension of accreditation under the law
governing consumer credit of CZK 25 000 ".
3. In the annex, item 65, the following paragraphs 11 and 12 are added:
"11.
and permissions to operations bound)
representative to the registry under the Act
governing consumer credit of CZK 2 000
(b) authorized provider)
the bound of consumer credit for
that represented a $2,000
12. extension of privilege
and the activities of non-banking provider)
consumer credit $25 000
(b)) to the single
under the law, provider
governing consumer credit $5 000
(c)) to the activities of the representative in accordance with the data-bound
the law governing consumer
loan of CZK 1 000
(d)) to the activities of an intermediary
the bound of consumer credit
for that $1,000 under-represented ".
4. In the annex, item 65 note at the end of 65 items added:
"
Note
The administrative fee for the extension of the taxpayer, the permission in accordance with section 12
(a). and) or (b)) this item is non-bank provider of
consumer credit or a separate provider and in accordance with point 12
(a). c) or (d)) represented. Fee is due, first within the time limit
3 months before the date of permission and at the latest within 30 days
before the date of permission. ".
PART ELEVEN
Amendment of the Act on payment systems
Article. XIII
Law no 284/2009 Coll. on payment systems, as amended by Act No 156/2010
Coll., Act No. 139/2011 Coll., Act No 420/2007 Coll., Act No. 37/2012
Coll. and Act No. 261/2014 Coll., is amended as follows:
1. In article 36 at the end of paragraph 1, the following sentence "to provide
consumer credit, which are under the law governing the provision of
consumer credit shall be entitled to only certain people, however, is the provider of the
small-scale authorized payment service only if its
registration applies to the provision of consumer credit. ".
2. In article 37, paragraph 2, the following paragraph 3 is added:
"(3) if the payment service provider to register small scale
apply to the provision of consumer credit, writes Czech national
Bank payment service providers to the registry small scale
the applicant, who
and European companies) is a joint stock company or companies with
limited liability company,
(b)) has an initial capital, whose origin is transparent and safe, at least
in the amount of 20 000 000 CZK
c) meets the conditions in paragraph 1 (b). a) to (e)). ".
The former paragraph 3 shall become paragraph 4.
3. In § 37 para. 4 at the end of the text of the first sentence, the words "or 3".
4. In paragraph 42, the number "3" by "4".
5. At the end of section 42, the following sentence "where a payment service provider
small-scale services, a request to extend the registration for the provision of
consumer credit, shall apply mutatis mutandis to § 37 para. 1 (b). (b)), para.
3 (b). a) and b) and para. 4, §§ 38 and 39. ".
6. In § 43 para. 1, after the words "to the extent", the words "or contracts
the registration of the payment service provider for the provision of small scale
consumer credit, ".
7. In § 43 para. 2 of the introductory part of the provisions for the word "extent"
the words "or narrow down the registration of the payment service provider
small scale for the provision of consumer credit, ".
8. In § 43 para. 2 (a). a), the words "the provision of payment services"
replaced by the words "pursue the activities referred to in section 8".
9. In paragraph 44, at the end of paragraph 1, the following sentence "for providers
a small range of payment services, the registration applies to
the provision of consumer credit, shall apply mutatis mutandis to the provisions of
the law governing consumer credit capital non-banking
providers of consumer credit. ".
10. In section 53 shall at the end of paragraph 1, the following sentence "to provide
consumer credit, which are under the law governing the provision of
consumer credit shall be entitled to only certain people, however, is the Publisher of
small-scale electronic money authorised only if
its registration apply to the provision of consumer credit. ".
11. § 54 paragraph 2, the following paragraph 3 is added:
"(3) if the registration of a small-scale electronic money issuer
apply to the provision of consumer credit, writes Czech national
Bank issuers of electronic money to the registry small scale
the applicant, who
and European companies) is a joint stock company or companies with
limited liability company,
(b)) has an initial capital, whose origin is transparent and safe, at least
in the amount of 20 000 000 CZK
c) complies with the conditions laid down in paragraph 1. ".
The former paragraph 3 shall become paragraph 4.
12. In § 54 para. 4 at the end of the text of the first sentence, the words "or
3. "
13. At the end of section 58a is added the sentence "If a publisher of electronic
a small-scale money request for the extension of the registration for the provision of
consumer credit, shall apply mutatis mutandis to § 54 para. 1 (b). (c)), para.
3 (b). a) and b) and para. 4 and § 55 and 56. ".
14. in section 58b of the paragraph. 1, after the words "to the extent", the words "or contracts
registering Publisher small-scale electronic money on the provision of
consumer credit, ".
15. in section 58b of the paragraph. 2, after the words "to the extent", the words "or narrow
registering Publisher small-scale electronic money on the provision of
consumer credit, ".
16. in paragraph 59, at the end of paragraph 1, the following sentence "For the Publisher
small-scale electronic money whose registration applies to
the provision of consumer credit, shall apply mutatis mutandis to the provisions of
the law governing consumer credit capital non-banking
providers of consumer credit. ".
17. in paragraph 125 of paragraph 1. 2 (a). (c)), the word "or" is deleted.
18. In paragraph 125 of paragraph 1. 2, letter c) the following point (d)), which read as follows:
"d) contrary to section 44 para. 1 sentence the other fails to comply with any of the requirements
relating to the capital under the law governing consumer loan,
or ".
Subparagraph (d)) is renumbered as paragraph (e)).
19. in paragraph 125 of paragraph 1. 4 (b). a), the words ' 2 (a). (b)) "the words
"or (d))".
20. In paragraph 125 of paragraph 1. 4 (b). (c)), the word "d)" shall be replaced by "e").
21. in paragraph 126 of paragraph 1. 2 (a). (d)), the word "or" is deleted.
22. in paragraph 126 of paragraph 1. 2, letter d) the following point (e)), which read as follows:
"e) contrary to section 59 paragraph 1. 1 sentence the other fails to comply with any of the requirements
relating to the capital under the law governing consumer loan,
or ".
Letter e) is renumbered as paragraph (f)).
23. in paragraph 126 of paragraph 1. 4 (b). and) the words "or e)" shall be replaced by "e)
or (f)) ".
24. In § 136 paragraph. 2, the first sentence is inserted after the phrase "to the registry under
paragraph 1 (b). (b)), and (d)) is written also an indication of whether the registration
apply to the provision of consumer credit related to
provision of payment services. ".
25. In paragraph 142, the words "§ 37 para. 3 "shall be replaced by the words" § 37 para. 4 "and
the words "§ 54 para. 3 "shall be replaced by the words" § 54 para. 4. "
Article. XIV
Transitional provision
The payment service provider of a minor nature and Publisher
small-scale electronic money may on the basis of the existing
to provide consumer credit over a period of 3 months from the date of
entry into force of this Act. Submit a request within this time limit
the extension of the registration for the provision of consumer credit may
to provide consumer credit until such time as the Czech National Bank
shall decide on the request.
PART TWELVE
Amendment to the law on financial collateral arrangements
Article. XV
In § 7 para. 1 (b). (c) paragraph 1 of the law) No 408/2010 Coll., on financial
ensure, as amended by Act No. 303/2013 Coll., the word "mortgage,"
repealed.
PART THIRTEEN
The EFFECTIVENESS of the
Article. XVI
This Act shall take effect on the first day of the fourth calendar month
following the date of its publication.
in Humble-Arvind from. v. r.
Zeman in r.
Sobotka in r.
