Amendments To The Consumer Protection Act

Original Language Title: Grozījumi Patērētāju tiesību aizsardzības likumā

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Read the untranslated law here: https://www.vestnesis.lv/ta/id/221390

The Saeima has adopted and the President promulgated the following laws: the amendments to the consumer protection law in consumer protection law (the Republic of Latvia Saeima and the Cabinet of Ministers rapporteur, 1999, no. 9; 2002, 1. No; 2003; 2004, nr. 11, no. 11; 2005, nr. 24; 2007, nr. 9, 12, 15; 2008. no; 2009, no. 13; Latvian journal, 2009, 194. No.) the following amendments: 1. Supplement article 1 with 2.1 as follows: "21) durable medium — any instrument which enables the consumer to store information addressed personally to him in a way that requires the provision of information to ensure its availability period, exploitation and reproduction in the unaltered state;".
2. in article 3.1: make the first paragraph by the following: "(1) by offering a product or service that you sell a product or provide a service, prohibited different treatment the consumer's gender, race, ethnic origin or disability.";
to complement the second paragraph after the words "ethnic origin" by the words "the person or persons with disabilities";
to complement the second subparagraph with the following sentence: "different attitude towards consumer disability allowed if it is objectively justified by a legitimate aim, which is designated to achieve reasonable, or if the seller or service provider for the provision of equal treatment imposes a disproportionate burden.";
Supplement third person after the words "gender" with the word "disability";
Supplement fifth after the word "sex" with the word "disability";
Add to sixth after the word "sex" with the word "disability";
adding to eighth after the word "sex" with the word "disability".
3. Supplement article 4.2 with the second part as follows: "(2) if the legal relations of the applicable national rules, which is not a member of the European economic area, the consumer does not lose this law and other statutory rights relating to the holiday home long-term use rights contracts, vacation services of long term contracts, holiday home or long-term usage rights for long-term holiday service resale and holiday home exchanges, long-term use rights agreement When: 1) the real estate is located in one of the Member States of the European Union;
2 seller) economic or professional activity in a Member State of the European Union or of the operations to turn a member of the European Union and the agreement is concluded in the framework of this action. ";
believe the current text of article about the first part.
4. To make the third part of article 6, point 4 of the following: "4), on the consumer who fails to fulfil or inadequately fulfil contractual obligations, a disproportionately large penalty or other compensation for non-performance of contractual obligations, or the improper performance of the contract, compared with non-execution or improper execution or losses taking into account other circumstances;".
5. in article 8: make the first paragraph by the following: "(1) in accordance with the consumer credit contract person dealing with consumer lending (hereinafter referred to as the grantor), grants or promises to grant to a consumer a credit in the deferred payment, loan or other similar financial arrangement. About consumer credit agreement within the meaning of this law are not considered to be an agreement about long-term provision of services or the delivery of goods, if the consumer for services or products paid for the duration of the contract, the right to settle by instalments. ";
Add to article 1.1, 1.2 and 1.3 of the part as follows: "(11) the lending service consumer may provide that the Corporation has received a special permit (license) consumer lending for a service [hereinafter special permit (license)]. This requirement shall not apply to: 1) Corporation, which is to be considered as a credit institution in accordance with the laws and regulations governing the operation of the business of credit institutions;
2), the seller or service provider that offers to pay for the acquisition of goods or services, the payment of the loan is deferred or other similar financial arrangement, without attracting third-party financing;
3) merchant, who, under a contract concluded between the producer, vendor or service provider, for the purchase of goods or services offered to close the only consumer credit agreements under which no interest is paid or other extra charges.
(12) The special permissions (licenses) of the issuing corporation shall pay the State fee.
(13) special permit (license) for the issue, suspension and cancellation procedures, requirements which must comply with the Corporation, to enable it to receive special permission (license), including the requirements of the Corporation's equity capital and capital, as well as the requirements for the Corporation Council and Board members, government fees and the arrangements for payment shall be determined by the Cabinet of Ministers. "
make the second, third and fourth subparagraph by the following: "(2) a consumer credit contract shall be drawn up in writing (on paper or on another durable medium), and for each one to be served on the Contracting Party a copy of this contract. The payment for the product or service to be in cash.
(3) the consumer shall have the right at any time in full or partially fulfill its responsibilities before the consumer credit contract deadline. In this case, he has a right to fair payment for the total cost of the credit, which consists of interest and other costs for the remaining life of the contract. These consumer rights do not apply to this law article 2 astotāsdaļ 12.1 and referred to in paragraph 4, the lending contracts.
(4) before the consumer credit contract of the content of the information to be provided and the procedures to provide consumer credit contract requirements and be sliding information, annual percentage rate calculation method of informing the consumer lending during the term of the contract, the early repayment of the credit and the total cost of the credit to the reduction of certain fair lending type of contract requirements and applicable credit intermediary duties, as well as the legal framework for consumer lending against pledge of movables is determined by the Cabinet of Ministers. "
Add to article 4.1, 4.2 and 4.3 of the part as follows: "(41) before the conclusion of the contract the consumer lending credit employer assess the consumer's ability to repay the loan on the basis of sufficient information, obtained from the consumer and, where necessary, to the news of the appropriate laws and regulations to the processing of personal data established databases (database) on the person's income and the payment obligations, the regulations on the physical protection of personal data and access to databases. If the refusal to issue a credit based on the database of credit obtained by the employer shall inform the consumer immediately and without charge of the results of the use of the database and the database used.
(42) before the consumer and the credit provider agree on the total amount of the credit to a significant increase in consumer lending during the term of the contract, the employer shall reinstate the credit in your financial information available to the consumer and reassess the consumer's ability to repay the loan. If the refusal to increase the total amount of credit based on a database of credit obtained by the employer shall inform the consumer immediately and without charge of the results of the use of the database and the database used.
(43) this article 4.1 and 4.2 share obligations shall not apply to consumer credit contracts: 1) under which the loan amount may not exceed or do not exceed 100 lats;
2) under which the credit granted to the consumer by the employer the right to use funds which exceed the current balance in the consumer's current account (hereinafter referred to as the excess credit) and must be repaid within a period not exceeding one month;
3) under which the employer credits silent agreed that the consumer use the funds which exceed the current balance in the consumer's current account or the excess credit granted;
4) concluded a grantor in possession as security transferable in any case and under which the consumer's responsibility is limited to the pledged thing;
5) concluded by the employer and the employee, if the credit is granted free of interest or at annual percentage rate of charge which is lower than the market mostly existing interest rates and what not offered to the public generally, and if the supply of credit is not the core business of the employer;
6) concluded with investment firms or credit institutions to give the investor the opportunity to carry out a transaction relating to one or more of the instruments is governed according to the laws of the markets in financial instruments, if the investment firm or credit institution granting the credit is involved in such transaction;
7) which is a court or other legal authority reached a settlement in a particular result;
8) relating to the debt in the form of a deferred payment, without payment of interest and other additional payments;

9) on loans that general interest and according to the procedures laid down in the laws and granted a limited circle of persons with interest rates that are lower than the market generally to existing rates of interest, or without interest, or in accordance with other provisions, which would be more advantageous than the consumer market generally used terms, and with interest rates no higher than the market generally to existing interest rate;
10) under which the loan is granted without payment of interest and other additional payments;
11) which provides that consumer credit has to be repaid within a period not exceeding three months, and under which the use of the credit is required for the additional duty compared with the total amount of credit and lending contract period. ";
make introductions to the fifth subparagraph by the following text: "If the credit amount is equal to 100 minimum monthly salaries, or greater, credit:";
off the seventh;
Add to tenth after the word "credit" with the words "the amount of which is equal to 100 minimum monthly salaries, or greater and".
6. Express article 11 by the following: ' article 11. Holiday home use rights agreement, holiday services contracts, holiday home or long-term usage rights for long-term holiday service resale contract and holiday home exchanges, long-term use rights (1) holiday home use rights agreement (referred to in this article, a home use rights contract) is a contract, concluded for a period longer than one year, and under which a consumer, for consideration, acquires the right to use one or more of the holiday home more than one period for the duration of the contract.
(2) holiday service long-term contract (hereinafter in this article: holiday service contract) is a contract, concluded for a period longer than one year, and under which a consumer, for consideration, acquires the right to obtain discounts or other benefits in respect of accommodation services accommodation and travel or other services.
(3) holiday home long-term use rights or long-term holiday service resale agreement (referred to in this article, a resale contract) is a contract under which the seller for consideration helps a consumer to sell or buy the right to use a vacation home for a time, or the right to receive other holiday services.
(4) holiday home use rights exchange agreement (referred to in this article, the exchange contract) is a contract under which a consumer against consideration joins a barter system, giving him the right to use a vacation home or use a different holiday services in Exchange for the consumers permission to others to use his home use rights the rights provided for in the contract.
(5) supplementary agreement is an agreement according to which the consumer receives the right to use the home or holiday service contract-related services from the service provider or third parties with which the service provider is entered into the contract.
(6) before a home use rights contracts, holiday services agreement, contract or Exchange resale contract of the thirteenth part of this article, that information be provided in the language of a Member State of the European Union, in which the consumer is resident or of which a citizen is a consumer, if this language is the official language of the European Union.
(7) home use rights agreement, service agreement, and the contract Exchange resale contract concluded in writing (on paper or on another durable medium), and the consumer at the time of conclusion of the contract will be served one copy of this contract.
(8) home use rights agreement, service agreement, and the contract Exchange resale contract after its conclusion at the choice of the consumers in a Member State of the European Union languages, in which the consumer is resident or of which a citizen is a consumer, if this language is the official language of the European Union.
(9) in calculating the home use rights agreement, or holiday service contract period, having regard to the Treaty rules on the extension of its operations, including the automatic contract extension.
(10) Switch the home use rights agreement, holiday services agreement or contract for the Exchange, it is prohibited to require advance payments from the consumer, securities, debt or any other consideration the assurances of the seller or a third party is prohibited, as well as the cash reserve account of the consumer, before terminating the period during which the consumer can exercise the right of withdrawal.
(11) the resale agreement, Switch it is prohibited to require advance payments from the consumer, securities, debt or any other consideration the assurances of the seller or a third party is prohibited, as well as the cash reserve account of the consumer, before his right to use a vacation home or a right to receive a holiday service is sold or the resale contract is terminated.
(12) the consumer may exercise the right of withdrawal and the unilateral retreat from home use rights contracts, holiday services agreement, contract or Exchange resale contract without giving any reason.
(13) before the home use rights contracts, holiday services agreement, contract or Exchange resale contract of the consumer be provided with precise information on the relevant provisions of the Treaty. Before the conclusion of the contract and the contract should be the content of the information procedure, the exercise of the right of withdrawal deadlines and procedures, forms and the refusal of the right of withdrawal effects, as well as specific requirements for the conclusion of the contract, shall be determined by the Cabinet of Ministers. "
7. in article 12: turn off the second part of paragraph 3;
to make a fifth by the following: "(5) the consumer is obliged within seven days after the dispatch of the written refusal to give back the product or use the manufacturer, seller or service provider (if the item, or the case is received). The manufacturer, seller or service provider will be obliged, no later than 30 days from the date of the consumer's written receipt of cancellation by the consumer to repay a sum of money for goods or services, paid up to the time of termination. The manufacturer, seller or service provider is entitled not to refund the consumer the amount of money paid for the goods or thing, as long as the consumer has not given up the goods or thing or does not submit the goods or things return or send supporting documents. "
8. Supplement to chapter II, article 12.1, as follows: "article 12.1. The right of withdrawal for the consumer credit contract (1) the consumer within 14 days may be used for the right of withdrawal and retreat from the consumer credit agreement without giving any reason. The withdrawal period shall run from the consumer lending days of conclusion of the contract or from the day on which the consumer receives the legislation on consumer credit agreement for a specific information, the terms and conditions of the contract, if they are received after the date of conclusion of the contract of loan.
(2) On the right of withdrawal the consumer shall notify the employer in writing of the credit under the consumer credit contract. The deadline is met if the consumer notice of exercising the right of withdrawal (in paper form or using another credit provider accessible durable medium) sends the credit this article before the time limit laid down in the first subparagraph.
(3) the consumer is obliged to immediately, not later than 30 days after notification of exercise of the right of the employer to repay the loan amount and credit received for credit from the date of receipt of the credit until the day after it repaid, the accrued interest. Interest shall be calculated on the basis of the lending contract loan interest rate.
(4) if the consumer exercises his right of withdrawal under this article, the employer credit do not have the right to request from the consumer for compensation except compensation for non-refundable costs of credit made a public person.
(5) if the consumer exercises his right of withdrawal in accordance with this article and in relation to the consumer credit contract is a contract for services, which provides credit to the employer or a third party in accordance with the third party and the employer credit contracts, contracts for additional services.
(6) if the consumer has a right of withdrawal under this article shall in respect of the implementation of the right of withdrawal dates, modalities and consequences do not apply legislation on distance contracts for financial services and the regulations on the outside of the standing point of sale or service locations to conclude the contract.
(7) the right of withdrawal under this article shall not affect the agreement on the purchase of goods or services, if the validity of a consumer credit contract is for the acquisition of goods or services.
(8) the requirements of this article shall not apply to:

1) consumer credit contracts, under which the loan amount may not exceed or do not exceed 100 lats;
2) consumer lending contracts, under which the credit granted to the consumer by the employer excess credit that must be repaid on demand or within a period not exceeding three months;
3) consumer credit contracts concluded for the acquisition of immovable property or whose repayment is secured by mortgage on immovable property;
4) consumer credit contracts, under which the employer credits silent agreed that the consumer use the funds which exceed the current balance in the consumer's current account or the excess credit granted;
5) consumer credit contracts entered into in the grantor's possession as security transferable in any case and under which the consumer's responsibility is limited to the pledged thing;
6) consumer credit contracts entered into by the employer and the employee, if the credit is granted free of interest or at annual percentage rate of charge which is lower than the market mostly existing interest rates and what not offered to the public generally, and if the supply of credit is not the core business of the employer;
7) consumer credit contracts entered into by investment firms or credit institutions to give the investor the opportunity to carry out a transaction relating to one or more of the instruments is governed according to the laws of the markets in financial instruments, if the investment firm or credit institution granting the credit is involved in such transaction;
8) consumer lending agreements that are before the courts or legislation established authority reached a settlement result;
9) consumer credit contracts, which relate to the deferred payment of the debt, without payment of interest and other additional payments;
10) consumer credit agreements on loans that general interest according to the procedures laid down in the laws and granted a limited circle of persons with interest rates that are lower than the market generally to existing rates of interest, or without interest, or in accordance with other provisions, which would be more advantageous than the consumer market generally used terms, and with interest rates no higher than the market generally to existing interest rate;
11) the lease or leasing contracts, which are not designed for the consumer's obligation to purchase the object of the contract, if such obligations not provided for in other contracts concluded;
12) consumer credit contracts, under which the loan is granted without payment of interest and other additional payments;
13) consumer credit agreements provides that consumer credit has to be repaid within a period which shall not exceed three months, and under which the use of the credit is required for the additional duty compared with the total amount of credit and lending contract period;
14) consumer credit agreements in which the credit provider and the consumer agree on a repayment order, if the consumer has not fulfilled the original credit contract and this avoid possible court proceedings for consumer lending commitments laid down in the Treaty, and the consumer would not thereby be subject to terms less favourable than those laid down in the original consumer lending agreement. "
9. Turn off 21.1 article fifth and sixth.
10. Add to article 21.5 with the following sentence: "the Cabinet has the right to these provisions empower the Municipal Council of the municipality to issue binding rules that regulate the individual more detailed trade issues on the agenda for the organization."
11. Article 25: make a fourth part of paragraph 4 by the following: ' 4) to assist consumers in resolving disputes with the producers, sellers or service providers, consumer legal enforcement request; "
Add to fourth with 4.1 point as follows: "41) on consumer protection law violations and complaints received submission evaluation, taking into account the significance of the alleged infringement and the potential harm to the collective interests of consumers;"
Add to fourth with 6.2 point as follows: "62) to issue a special permit (license) consumer lending services;";
Add to article 6.1 of the part as follows: "(61) consumer protection officials of the Centre in carrying out market surveillance and consumer supervision, are entitled at any time (without prior notice) to attend to the manufacturer, seller or service provider.";
to supplement the article with the new part 8.1 as follows: "(81) consumer protection Center in the eighth part of this article carried out: 1) on its own initiative;
2) on the basis of the consumer protection Association submission;
3) on the basis of such information, the authorities charged with the monitoring and control;
4) on the basis of the Member State of the European Union institutions, which include the application of the European Parliament and of the Council of 23 April 2009. directive 2009/22/EC on injunctions for the protection of consumers ' interests in article 4, the list referred to in paragraph 3. ";
consider the current 8.1, 8.2, 8.3, 8.4 and 8.5 part on 8.2, 8.3, 8.4, 8.5 and 8.6;
to make the ninth subparagraph by the following: "(9) this article is the eighth part of the decision referred to in paragraph 2 shall apply to the day when it becomes known to the addressee. That decision, a manufacturer, seller or service provider may appeal to the District Administrative Court of the administrative procedure law. Appeal shall not suspend the decision. "
12. To make the third paragraph of article 25.1 the following: "(3) the consumer rights protection Centre's decision on interim measures, the manufacturer, seller or service provider, in respect of which the application for interim relief, issued may appeal to the district administrative court within 10 days from the date of its entry into force. Appeal shall not suspend the decision. "
13. Express article 26 the following: ' article 26. On consumer protection law violations filed the complaint and application for review and the provision of assistance to consumers in resolving disputes with the producers, sellers or service providers (1) complaints, submissions, and information about possible consumer protection law violations shall be submitted to the authority charged with the supervision and control.
(2) the Person or the application for administrative infringement possible consumer protection does not constitute an application or materials in violation of the administrative case.
(3) if the consumer rights protection centre or other authority charged with the supervision and control of a person received a complaint about the violation of individual rights, have reasonable doubts as to the fact that the complainant is a consumer within the meaning of this law, in particular the situation of running his business or professional activities, the institution concerned is entitled to request him to provide a specified period necessary information (in the registry of credit information about the complainant's obligations information about transactions carried out URu.tml), showing that the specific situation, he acted as a consumer. If the requested information is not provided, the authority shall have the right to terminate the inquiry.
(4) the consumer rights protection centre or other authority charged with the monitoring and control, shall be entitled to determine the manufacturer, seller or service provider, the time-limits within which the written answer of the consumer in the application conditions and requirements in relation to the consumer's decision.
(5) upon application by the consumer where the requested information or advice on consumer rights, consumer protection and other authority as is the monitoring and control, prepares a response, providing the necessary information. If the application contains the telephone number that you can connect with the consumer, the consumer rights protection centre and other authority as is the monitoring and control, shall be entitled to provide information or advice by telephone or to offer get it onsite, if the consumer agrees. If the application contains the e-mail address, which you can connect with the consumer, the consumer rights protection centre or other authority charged with the monitoring and control, shall be entitled to send the reply only in electronic form, signed with a secure electronic signature, unless the consumer has indicated that it wants to receive a written response. In this part of the activity carried out within one month from the date of receipt of the application.

(6) upon the consumer's request for dispute with the manufacturer, seller or service provider, the consumer rights protection centre or other authority charged with the supervision and control, depending on the circumstances referred to in the application, provides information and advice on consumer rights and necessary activities or, if necessary, provide assistance to consumer dispute by negotiations with the manufacturer, seller or service provider, or other regulatory actions statutory consumer protection.
(7) receive a consumer complaint or request for dispute between the manufacturer, seller or service provider and a consumer of it, or in a contract concluded in particular provisions are unfair, the consumer protection centre shall prepare a response in which you can express your opinion on compliance with the relevant provisions of the laws and requirements.
(8) if the consumer application asked for help in the dispute with the manufacturer, seller or service provider solving or information or advice, the provision of which requires the more authority these operations are carried out within a period of four months from the date of receipt of the application, not later than one month from the date of receipt of the application, the applicant shall be informed of the receipt of the application, and the operations carried out. If objective reasons the four month deadline cannot be met, the head of the institution can be extended up to a year, by giving the applicant.
(9) the consumer rights protection centre or other authority charged with the supervision and control, the consumer complaint or request for resolution of a dispute with the manufacturer, seller or service provider if both of the following conditions are met: 1) the consumer is first approached by complaint or application with the manufacturer, seller or service provider and tried to resolve the dispute amicably;
2) complaint or application added to written materials and other evidence which substantiates the existence of a dispute and the subject matter of the dispute. "
14. Make 30, 31 and 19.3 article as follows: "article 30. Consumer rights if the product is not delivered or the service does not provide a specific time limit (1) If a manufacturer, seller or service provider from the consumer due to the time limit set in the Treaty does not supply the goods or deliver only part or if the service provider from the consumer as a result of circumstances not within the time limit laid down in the Treaty, provides the service or provide service only in part, the consumer first has the right to require that the manufacturer, seller or service provider shall perform the contract If the contract does not specify the conditions more favourable to the consumer.
(2) if the manufacturer, seller or service provider on request by the consumer, the contract is not fulfilled within a reasonable time and therefore the consumer is no longer interested in the execution of the contract, the consumer has the right to unilaterally withdraw from the agreement, get paid prepayments and require the resulting damages. In this case, the customer is obliged to immediately give the manufacturer, seller or service provider has already delivered goods or made in accordance with the Treaty.
(3) the consumer should not be used in the second paragraph of this article, rights to derogate unilaterally from the agreement if the goods delivered or services provided and the goods supplied or the services provided on the part of the consumer is already used or it is possible to use independently, but it is not possible for objective reasons to give the manufacturer, seller or service provider or its return would cause disproportionate losses. In this case, if the parties fail to agree on the implementation of the contract, the manufacturer, seller or service provider is obligated to repay the amount of money paid by the consumer for not delivered goods or parts or part of the service provided.
(4) If a manufacturer, seller or service provider and the consumer agree on the Treaty's extension of the period of performance, the customer is eligible to use in part two of this article, rights to derogate unilaterally from the agreement only if the manufacturer, seller or service provider does not comply with the Treaty extended the time limit for performance of the contract.
(5) the provisions of this article shall not apply to contracts: 1) on the delivery of the service, the result of which is not physical;
2) which regulates the legal relations of construction;
3) regulating the acquisition of real estate legal relations.
31. article. Consumer claims in connection with consumer lending for the purchase of goods or services (1) the consumer has the right to unilaterally withdraw from the consumer credit contract, if he uses this law, article 12 provides for the right of withdrawal and payment for the goods or services in whole or in part, through consumer lending agreement. In this case, the credit may not require the employer to pay a contractual penalty to the consumer or to pay the losses due to the cancellation of the contract the consumer lending.
(2) to downgrade from a consumer credit contract pursuant to the provisions of the first subparagraph, the consumer will be notified in writing to the employer that he uses the right to withdraw from the contract for the purchase of goods or services, and of the goods or things-or send the manufacturer, seller or service provider using this law article 12 obligations in the fifth subparagraph, and adds the note evidence of goods or things-or dispatch. Consumer lending agreement is terminated, the day on which the grantor has received notification of the consumer referred to above and the evidence of the goods or things-or dispatch.
(3) termination of consumer lending agreement, the manufacturer, seller or service provider, employer and consumer credit immediately, not later than 30 days from the expiry of the contract the consumer lending days, released in accordance with the agreement, the amounts received. The consumer is obliged to pay interest and other charges only for a period up to expiry of the contract the consumer lending.
(4) if the consumer has the right to use this law, article 28, first paragraph, point 4, article 29, paragraph 4, first subparagraph, and article 30 referred to in the second subparagraph of the right to reclaim the goods or service paid a sum of money, but he, through specific legislation, can not get to the manufacturer, seller or service provider will execute its legal requirements, the consumer has the right to bring claims against the grantor of credit within six months of receipt of the goods or services in the day or days When the consumer under the contract was to receive a product or service. Credit is the responsibility of the employer to consider the claims of the consumer within 30 days.
(5) the provisions of this article shall apply to such consumer lending agreements, intended only to fully or partially fund the contract for the supply of certain goods or the provision of a particular service, if these two contracts actually form a commercial unit. Consumer credit agreement and a contract for the supply of specific goods or the provision of a particular service consists of a commercial unit in the following cases: 1 credit granted to the consumer) goods manufacturer, seller or service provider;
2 consumer credit) with a third party, and the grantor uses the manufacturer, seller or service provider in connection with the credit agreement, or;
3 consumer credit) with a third party, and the specific product or the service is clearly indicated in the lending agreement.
(6) the provisions of this article shall not apply to article 12.1 of this law the eighth part 1., 3., 4., 5., 6., 7., 8., 9, 10, 11, 12, 13 and 14 referred to consumer credit contracts.
(7) If the concluded with a consumer lease or leasing contracts, which do not provide for an obligation of the consumer to purchase the object of the contract and such obligations not provided for in other contracts concluded by the consumer of this law article 30, second paragraph, in the case referred to in regard to leasing object is entitled unilaterally to derogate from a hiring or leasing contract. Termination of the rental or leasing of a consumer contract, the manufacturer, seller or service provider and credit management immediately, not later than 30 days from the consumer rental or leasing contract termination date of the contract shall be reimbursed in accordance with the amounts received.
Article 31.1. Rights of the consumer, if the illegal use of his payment card (1) If the unlawful use of a payment card, the consumer is entitled to require that the payment service provider, which the consumer is issued a payment card, the payment concerned shall be suspended or illegally debited the amount refunded.
(2) if the consumer submits that it is not authorized for payment and that they comply with the payment card is used illegally and if the payment service provider, which the consumer is issued by the payment card, can prove that the payment is confirmed by the identification code or that the consumer has made a gross negligence or with intent (deliberately), it released illegally debited amount.

(3) the payment service provider, which the consumer is issued by the payment card, is responsible for the bad as well as the attention it made, providing services in connection with payment card issued to the consumer. "
15. transitional provisions be supplemented with 17, 18, 19 and 20 the following: "17. Article 8 of this law, 1.1, 1.2 and 1.3 part shall enter into force on July 1, 2011.
18. The Cabinet of Ministers until 2011 January 1 issue: 1) this law article 8, the provisions referred to in paragraph 1.3, which provides consumer lending services special permit (license) for the issuance, cancellation, suspension, requirements that a corporation must meet to be able to get the special permission (license), as well as government fees and payment arrangements;
2 article 8) in the fourth paragraph, those provisions, which provides consumer credit to be given to the conclusion of the contract information and a procedure for the provision of consumer credit contract requirements and be sliding information, annual percentage rate calculation method of informing the consumer lending during the term of the contract, the early repayment of the credit and the total cost of the credit to the reduction of certain fair lending type of contract requirements and applicable credit intermediary duties, as well as the legal framework for consumer lending against pledge of movables.
19. Article 11 of this law in a new editorial and article 12 paragraph 3 of the second paragraph is off shall enter into force on 23 February 2011.
20. The Cabinet of Ministers to the 2011 February issue 1 article 11 of this law the thirteenth part for these provisions, which provide for the exercise of the right of withdrawal deadlines and procedures, forms and the refusal of the right of withdrawal effects, as well as specific requirements for the holiday home use rights contracts, vacation services of long term contracts, holiday home or long-term usage rights for long-term holiday service resale and holiday home exchanges, long-term use rights agreement. "
16. The particulars in reference to European Union directives: express the following in paragraph 2: ' 2) of the European Parliament and of the Council of 23 April 2008. Directive 2008/48/EC on credit agreements for consumers and repealing Council Directive 87/102/EEC; ";
make paragraph 6 by the following: ' 6) the European Parliament and of the Council of 23 April 2009. directive 2009/22/EC on injunctions for the protection of consumers ' interests. "
Add to the informative reference with the following paragraph 11: "11) of the European Parliament and of the Council of 14 January 2009. of Directive 2008/122/EC on the protection of consumers in respect of certain aspects of timeshare usage rights, long-term holiday products, resale and exchange contracts."
The law shall enter into force on January 1, 2011.
The law in the Parliament adopted the 2010 October 28.
President Valdis Zatlers in Riga of the 2010 November 17.