Rules For The Special Permission (License) Consumer Lending Services

Original Language Title: Noteikumi par speciālo atļauju (licenci) patērētāju kreditēšanas pakalpojumu sniegšanai

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Cabinet of Ministers Regulations No. 245 in Riga 29 March 2011 (pr. No 20 40) provisions on procedures for the issue, re-register, suspend or revoke the special permission (license) consumer lending services and pay the State fee for the special permission (license) and renewal, as well as requirements for special permissions capital company (license) Issued to receive in accordance with the consumer protection law of article 8, part i. General 1.3 questions 1. determines: 1.1., a corporation must meet in order to be able to get a special permission (licence) consumer lending services (hereinafter referred to as the special permit (license));
1.2. the order in which the Corporation shall issue a special permit (license);
1.3. the order in which the Corporation issued re-registered at the special permission (license);
1.4. the order in which the suspended special permits (licences) and revoke the special permission (license);
1.5. the order in which the State fee payable for special permissions (licenses) and its renewal, and Government fees.
2. Special permission (license) issued by a corporation to the consumer protection centre.
3. Special permit (licence) issued for one year. Special permission (license) the validity period is counted from the special permissions (licenses) of the date of entry into force.
4. Special permission (license) or a copy of the Corporation's lending service location places visible to the consumer. If a corporation lending service provided as information society services, special permissions (licenses) are to be considered as electronic copies, directly and permanently accessible form published on the website of a capital company in the internet.
5. The consumer protection centre within three working days after special permission (license) the entry into force in its homepage on the internet puts information about the Corporation that received special permission (license) or taken a special permission (license) renewal, giving information about lending and service locations. Consumer rights protection centre within three working days after the decision is taken on its homepage on the internet puts information about the special permit issued to a capital company (license) the suspension and cancellation. 27. These provisions in the case referred to in paragraph consumer centres, if necessary, promptly, but not later than three working days after the examination of the information submitted to complete renew their homepage on the internet published information about a corporation.
6. The consumer protection Centre has the right to request and receive information from the Corporation, as well as to carry out the necessary checks, including the service delivery site in order to verify the conformity of the activities of the Corporation and the requirements of this regulation.
7. Consumer Protection Center before a decision on the special permission (license) the issue, renewal, suspension or cancellation is entitled to give instructions to the Corporation on the operations that must be performed to ensure the Corporation is complying with the requirements of this regulation.
II. requirements for special permissions capital company (license) for 8. for special permission (license), the Corporation must meet the following requirements: 8.1 the Corporation is a registered business regulatory laws in the order;
8.2. the Corporation is established for the processing of personal data or personal data protection officer in accordance with the regulations on the physical protection of personal data;
8.3. the Corporation has developed a consumer lending service delivery internal procedures governing the granting of credit and loan monitoring;
8.4. the Corporation has drawn up a procedure under the consumer protection law of article 8 to assess the consumer's ability to repay the loan, if special permission (license) the lending service specified in the required under the consumer protection law;
8.5. the Corporation has developed a consumer complaint handling procedures to ensure a reasonable period the received complaints and responses.
9. Special permission (license) can get a corporation: 9.1 equity of which the previous year is less than the entry into force of the commercial law of procedure statutory minimum paid share capital. This requirement does not apply to the Corporation, which was founded less than two years before the application for a special authorization (license) or submission of renewal;
9.2. has arrears of taxes, duties or other mandatory payments to the State budget;
9.3. where is a certain ban on commercial activities in the area of financial services;
9.4. where for the last three years been withdrawn issued special permit (license), except where the special permit (license) by the Corporation at the request of the cancelled in accordance with the provisions of section 42.2.;
9.5. which financial resources invested by the Corporation's share capital, resulting in unusual or suspicious financial transactions or not documented proven this financial legal mining. Suspicious financial transaction to be considered as a transaction which generates suspicion of criminal money laundering or the financing of terrorism a criminal money-laundering and terrorist financing Prevention Act or the meaning of such attempts, or other related criminal offence. On unusual financial transaction is considered a deal that meets at least one of the following signs: 9.5.1. transaction, which involves a person who is suspected of committing terrorist acts or participation in it and is included in any of the Cabinet's recognized national or international organizations and those made the list of people who are suspected of involvement in terrorist activities;
9.5.2. the transaction, which used cash 40 000 lats and more (other than salary, pension and social benefits, loans, interbank settlements).
10. the Council of the Corporation (if created) and the members of the Management Board may not be:

10.1. persons who are criminally prosecuted for intentional criminal offence except if the criminal record has been deleted;
10.2. persons who are deprived of the right to do business in the area of financial services;
10.3. the person, who has been the Council (if established) or members of the Executive Board of the Corporation for which the last three years has been withdrawing special permit (license), except where the special permit (license) by the Corporation at the request of the void.
11. The consumer protection centre, in deciding on the special permissions (licenses), evaluate the following information on the Corporation, including the number of messages received from other competent authorities: 11.1 the Corporation, its Council (if created) and Board members last year, due to administrative violations, consumer business regulatory laws, or natural person in the field of data protection, including irregularities, for which the appropriate administrative penalties given the systemic nature of the irregularity referred or significance;
11.2. The consumer protection centre, having been convicted by a decision taken by the enforcement of the protection of the collective interests of consumers;
11.3. the corporation activities or planned action consumer lending services and operational compliance with consumer protection laws and regulatory requirements;
11.4. legislation in the field of consumer protection in specific written commitment implementation deadline to prevent breaches committed.
III. special permission (license) issued 12. special permit a Corporation (license) submitted the consumer protection centre, in line with Annex 1 of these regulations designed and signed application. The application shall be accompanied by appropriate laws and regulations on the development and design of a document prepared for the following: 12.1. a statement of the criminal and administrative criminal record issued by the country of residence of the person in authority that maintains information about criminal convictions in accordance with national laws, if the Council of the Corporation (if established) or Board member is an alien. The certificate must be issued no earlier than six months before the application of the special permission (license) to the date of receipt;
12.2. the mandate of the representative, if the application is lodged by the authorized representative;
12.3. these rules state that evidence of payment of the fee.
13. to prepare documents for the adoption of the decision of the special permission (license), the consumer rights protection centre, if necessary, administrative procedure laws regulating the procedures specified in the following: 13.1 of the State revenue service: 13.1.1. information about the Corporation's overdue taxes, duties and other mandatory payments to the State budget;
13.1.2. the information according to the laws and requirements are presented on the Corporation's income for the preceding founder tax year and the current year (year to date), which is paid by the Corporation's share capital;
13.2. the register-current version information about the Corporation, its Executive Board or Council (if one exists) members;
13.3. as from the Ministry of Interior Information Center maintained a fine record (hereinafter referred to as the punishment register)-statement of the Council's capital (if any) and the members of the management board or administrative criminal convictions;
13.4. information from the national inspection of the processing of personal data and the protection of personal data in the register of specialists;
13.5. the other information referred to in this paragraph or other authorities necessary to evaluate this rule 11.1. the information referred to.
14. The Corporation shall have the right to submit the same consumer protection rules 13.1. Center of this, 13.2 and 13.4. the documents referred to in this provision as well as 8.3. referred to in documents relating to the Corporation's criminal or administrative convictions.
15. If the rules referred to in paragraph 12 of the application shall be submitted to the electronic document in the form of a corporation, the application and the attached documents electronic copies certified with secure electronic signature and a time stamp according to the regulations on electronic documentation, as well as indicate if special permission (license) wants to receive an electronic document in the form.
16. If the application is not accompanied by all the documents referred to in these provisions or the information is incomplete or inaccurate, or documents not issued in accordance with the laws and requirements, or need additional information this provision referred to in paragraph 19 of the decision, the consumer rights protection centre shall notify the Corporation in writing, indicating the deadline by which a corporation to relevant documents or messages to be submitted, and the extended deadline for a decision on a special permit (license) for the issue or refusal to issue a special permit (license).
17. Consumer centres at its disposal information evaluation shall take a decision on the refusal to issue a special permit (license) if: 17.1. Corporation, its Council (if established) or members of the Management Board do not meet these rules 8, 9 and 10 the requirements referred to in paragraph;
17.2. these provisions of the Corporation within the time limit specified in paragraph 16 does not provide these rules referred to in paragraph 12, documents or other information that is required for the adoption of the decision;
17.3. in considering this provision of the information referred to in paragraph 11, the consumer rights protection Centre finds that a corporation does not provide its operational compliance with legislative or regulatory requirements.
18. Consumer centres at its disposal information evaluation is entitled to take a decision on the refusal to issue a special permit (license) if: 18.1 Corporation supplied false information;
18.2. the Corporation's special permission (license) to receive the documents submitted or the information they contain does not comply with the legal requirements;
18.3. the Corporation has not complied with the provisions of paragraph 7 of the consumer rights protection centre guidance on transactions that the Corporation should be taken to ensure that the Corporation is complying with the requirements of this regulation.

19. consumer rights protection centre on special permission (license) for the issue or refusal to issue a special permit (license) shall be taken within one month of the date of receipt of all the terms referred to in paragraph 12 of the information and documents.
20. The consumer protection centre within three working days following that rule referred to in paragraph 19 of the decision, notify the Corporation in writing.
21. The consumer protection centre after the decision of the special permission (license) issued by a corporation to issue certain special permission of the sample (the licence) (annex 2). Special permission (license) to receive the Corporation's representative.
22. the consumer rights protection Centre for electronic document circulation of regulatory laws in accordance with the procedure laid down by special permission (licence) may be issued in electronic form of a document, if the Corporation made such a request.
23. Special permit (license) shall enter into force on the day on which the consumer rights protection Centre took the decision of special permission (license) or a special permit (license) for the specified date. If a special permit (license) is moved, it shall enter into force no earlier than the day after the previous special permission (license) to the specified expiry date.
24. If a special permit (license) is damaged, stolen or lost, the Corporation within five working days after the capture of that fact in writing inform the consumer rights protection centre, in submitting the application for special permission (license) the issue of a duplicate. Consumer rights protection centre within five working days after receipt of the application, shall issue the special permits (licenses) duplicate. During the special permission (license) the issue of a duplicate of a corporation is entitled to provide consumer lending services.
25. If special permission (license) has changed during the information specified in the special permit issued to a Corporation (the licence) (corporation name (trade name) or legal address), a corporation within 10 days after the onset of changes submitted to the consumer rights protection centre of the application for the necessary amendments to the special permission (license) (annex 3). The application shall be accompanied by documents proving the facts referred to therein.
26. Consumer Protection Centre within 15 days of the rule referred to in paragraph 25 of the receipt of the application, shall take a decision on the amendments to the special permission (license) or a refusal to amend the special permission (license). If the decision requires additional information or verification of information, the time limit may be extended up to one month.
27. If special permission (license) changes during the operation of these provisions, annex 1 2, 3, and 4 information specified in paragraph, the Corporation must inform the consumer centres and submit current information within 10 working days of the date when made or a change, adding changes to the supporting documents.
28. special permissions (licenses) while operating the Corporation each year up to March 1, must submit to the consumer rights protection centre the following information for the preceding calendar year: 28.1. with the conclusion of the credit agreement to consumers;
28.2. consumer loans to the total amount.
IV. special permissions (licenses) and it requires renewal documents 29. If a corporation, which received special permission (license), wants to extend its validity period (re the special permission (license)), so no earlier than four months, but not later than two months before the date specified in paragraph 3 of the rules of the special permission (license) expiration date submit consumer protection in the center of the special permission (license) the renewal application (annex 4). The application shall specify: the name of the 29.1. Corporation (the company), the registration number in the register of companies or the equivalent competent authority of the European Union or the European economic area in which the Corporation is registered, and the legal address;
29.2. special permission (license) number;
3. details of the Corporation's contact person (name, surname, contact information).
30. This provision described in paragraph 29 of the special permission (license) the renewal application shall be accompanied by: 30.1. these provisions referred to in paragraph 12 of the application and documents if the information has changed or expired period of validity of the document, and this information is not communicated to the consumer rights protection centre in accordance with paragraph 27 of these rules;
30.2. the mandate of the representative, if the application is lodged by the authorized representative;
30.3. these provisions in certain national identity document fee.
31. If a corporation's special permission (license) application for renewal submitted in paragraph 29 of these rules within that period, but wants to continue providing the service of consumer crediting, the Corporation shall submit the documents referred to in these provisions a new special permit (license) under this provision, the procedure laid down in chapter III, paying the State fee, a new special permit (license) for specified in these provisions.
32. the application of the special permission (license), as well as the appearance of the submit renewal, shall decide on the special permission (license) or for renewal of the registration and shall notify it in accordance with the provisions of chapter II and III procedures and deadlines.
33. The consumer protection Centre refused special permissions (licenses) renewal if: 33.1. Corporation, its Council (if established) or members of the Management Board do not meet these rules 8, 9 and 10 the requirements referred to in paragraph;
33.2. in considering this provision of the information referred to in paragraph 11, the consumer rights protection Centre finds that a corporation does not provide its operational compliance with legislative requirements;
33.3. the rules of the Corporation within the time limit specified in paragraph 16 does not provide the information required to make a decision on the special permissions (licenses) of the renewal.
34. The consumer protection centre is entitled to take a decision on the refusal to reregister the special permission (license) if:

34.1. the Corporation supplied false information;
21.3. the Corporation's documents submitted or the information does not meet the statutory requirements;
21.3. the Corporation has not given the time limits laid down in the consumer rights protection centre on 27 and 28 of these rules the information referred to in paragraph.
35. The consumer protection centre after the decision of the special permission (license) issued by the Corporation to determine the renewal of the special permission of the sample (the licence) (annex 2). Special permission (license) to receive the Corporation's representative.
36. Consumer Protection Center electronic document circulation of regulatory laws in accordance with the procedure laid down by special permission (licence) may be issued in electronic form of a document, if the Corporation made such a request.
V. special permission (license) the suspension and cancellation of 37. consumer rights protection centre, surveillance or based on other information provided by public authorities, are entitled to take a decision on the special permission (license) the suspension or cancellation in accordance with the procedure laid down in these provisions.
38. The consumer protection centre is entitled to make decisions about the Corporation issued special permits (licenses) to suspend for a period of up to six months if: 38.1. Corporation, its Executive Board or Council (if created) members do not meet these rules 8, 9 and 10 the requirements referred to in paragraph;
38.2. the Corporation does not provide consumer protection centre, the documents and information required by the Corporation or the inspection did not cooperate with the consumer rights protection centre to prevent irregularities in the field of consumer protection;
38.3. the Corporation has not complied with the consumer protection Centre's decision to the protection of the collective interests of consumers or does not comply with the statutory time limit of the written commitment to prevent infringements;
23.9. the Corporation has not given the time limits laid down in the consumer rights protection centre in this provision the information referred to in paragraph 27;
38.5. the Corporation late payment of taxes, duties or other compulsory payment amount is greater than 1000 lats and late payment of more than one month after the expiry of the period for payment. In this case, the consumer rights protection centre is entitled to suspend the special permission (license) until then provide information about the full payment of the debt;
24.0. Corporation do not systematically respected corporation established in consumer lending services, consumer complaints and the consumer's ability to repay the credit evaluation procedures;
36.6. the activities of the Corporation consumer lending services do not comply with consumer protection laws and regulatory requirements;
24.1. The consumer protection Centre has information on special permissions (licenses) while operating the Corporation or the Corporation Council (if established) or to allow the members of the Management Board of the relevant offences, for the purpose of consumer protection or natural person in the field of data protection.
39. The consumer protection centre within three working days after the decision of the special permission (license) the suspension shall notify the Corporation in writing, stating the reasons for the suspension.
40. If a corporation looking consumer centres in the decision of the special permission (license) the suspension of any irregularities, the consumer rights protection centre shall decide on the special permission (license) restoration within 10 working days from the date on which the Corporation or other entity has provided the consumer rights protection centre with all the necessary information that demonstrates that the infringement ceases. If the decision requires additional information or verification of information, decision, the time limit may be extended up to one month.
41. The consumer protection centre within three working days after the decision of the special permit suspended (license) restoration shall notify the Corporation in writing.
42. The consumer protection centre shall decide on the special permission (license) if cancellation: 42.1. the Corporation within six months after the consumer rights protection Centre's decision on special permission (license) is not undertaken the service provision or stopped business for more than six months;
26.2. the Corporation submitted an application (annex 5) with the request to revoke the special permission (license);
26.3. the Corporation is declared insolvent;
26.3. the Court ruling has been adopted or the business register contains information about the Corporation's dissolution;
26.4. special permissions (licenses) suspended temporarily in accordance with the provisions of paragraph 39, and the Corporation is not a deadline prevented irregularities which the special permissions (licenses) suspended.
43. The consumer protection centre is entitled to take a decision on the special permission (license) if cancellation: 43.1. is significant commercial, consumer protection or the physical person data protection laws and regulatory violations;
43.2. The consumer protection Centre has information about the Corporation, its Council (if established) or members of the Executive Board of the special permission (license) during operation of the administrative penalties imposed for administrative violations in the course of trade, consumer protection or the protection of the data of natural persons;
43.3. the Corporation's consumer protection Centre provided false information.
44. The Corporation that issued the special permit (license) is cancelled or suspended the special permission (license), must not be: 44.1. close for new lending contracts with consumers;

44.2. make changes special permission (license) the duration of current contracts, if the change is not favourable to the consumer over the changes to be made in the contract at the time of the offering of existing market conditions, or enter into contracts of novation, unless a new loan is not issued and the restructuring of the existing commitments.
45. special permission (license) the suspension or cancellation shall not affect the special permission (license) the contracts signed during the performance.
46. the consumer, the consumer credit contract with the Corporation that issued the special permit (license) has been cancelled after lending to the conclusion of the contract, has the right to unilaterally withdraw from the lending contract, written notice to the Corporation. In this case, the Corporation may not require the consumer to pay a penalty or remedy the losses due to the cancellation of the contract the consumer lending.
47. If the consumer uses this rule set out in paragraph 46, the right to unilaterally withdraw from the lending agreement, the customer is obliged to immediately, but not later than 30 days after the notification of the resignation of the lending agreement, to repay the loan received the loan amount and the interest accrued on the loan from the date of receipt of the credit until it is repaid. Interest shall be calculated on the basis of the lending contract loan interest rate.
48. A corporation that has annulled special permit (license), a new special permit (license) for the receipt may be submitted not earlier than three years after the date on which the decision was taken for the special permission (license) the cancellation, except where special permission (license) by the Corporation at the request of cancellation pursuant to this rule 42.2.. If a special permit (license) is cancelled, the Corporation paid the State fee for the special permission (license) for the issue or renewal shall not be refunded.
Vi. State fees and payment arrangements 49. State fees for special permissions (licenses) of the issuing of 50 000 lats.
50. the national toll for the special permission (license) is 10 000 lats for renewal.
51. the national fee for a special permit (license) for the issue or renewal of a Corporation paid before 12 and these provisions referred to in paragraph 29 the application of consumer protection Center.
52. State fee paid via credit institutions to the Corporation or authority that has the right to provide payment services, specifying the purpose of the payment: the fee for a special permit (license) for the issue or renewal.
53. the national fee including the State budget.
54. If special permission (license) issued or renewal is refused, the State revenue service, based on the consumer rights protection centre on the special permission (license) issued or refusal of renewal during the State fee paid to the Corporation in accordance with the law "About taxes and duties".
VII. Closing questions 55. provisions enter into force simultaneously with the amendments to the commercial law of the entry into force of article 21 of the law of procedure, which lay down the requirements for the minimum size of the issued share capital of the Corporation payable, which provides consumer lending services.
56. paragraph 28 of these rules apply on January 1, 2013.
Prime Minister v. Economic Minister Dombrovskis a. camphor annex 1 Cabinet of 29 March 2011 Regulation No 245 special permissions application (license) to receive consumer protection Center 1. information on the corporation name (trade name) registration number in the trade register or an equivalent competent authority of the European Union or the European economic area in which the Corporation is a registered legal address phone number fax number e-mail address 2. Corporations contact name name telephone number fax number e-mail address 3. details of the business (customer service), the location (address) or Corporation's internet site and a site that offers information society services (if a corporation shall provide such): 3.1 the particulars of business (customer service), the location (address) or sites customer service site name (if any) address offered lending services 3.2. details of the Corporation's internet site (sites), which are or will be offered to consumers in the information society services Internet site address offered lending services 4. information about the lending service the types Corporation offers or plans to offer Consumer Credit (required mark with X) support (mark with X if necessary) a brief description of the service a mortgage loan for the acquisition of immovable property by another credit in purchasing real estate that is not mortgage loan against pledge of movables (lombard loans) credit consumer product or service purchase financial leasing use lease billing credit cards other (specify) * _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ note. * If necessary, supplemented with the new table column.
5. information about the Corporation's employee competence and consumer lending services that provide or will provide services to consumer lending, and information on how the competence of staff is provided (for example, recruitment methods, employee education, employee training programs, and other activities) 6. Please issue a special permit (license) consumer lending services in the Republic of Latvia from the _____ of ___. _____ _____. * note. * Fill in if that consumer lending services will be started not earlier than four months after the filed application for special permission (license).
7. I want to get the license (required mark with X): a paper document in the form of an electronic document in the form of electronic document circulation of regulatory laws in the order 8. Certify that:

8.1. the Corporation has developed a procedure for providing consumer lending services, consumer complaints and assesses the consumer's ability to repay loans;
8.2. the Corporation's employees are competent for consumer lending services;
8.3. If the Corporation offers or plans to offer consumer credit agreement, the consumer shall be concluded between the Corporation in stock as collateral for a real thing: 8.3.1. all premises which are carried out or planned provision of consumer and mortgage storage, meet consumer lending requirements;
8.3.2. have concluded or to be concluded with a security guard merchants who operate in accordance with the law on security activities to ensure service compliance with consumer lending requirements;
8.3.3. the insured's civil liability for the Act or omission of the Corporation as a result of damage to the deposited securities of the Corporation.
9. I certify that I am aware of obligation under the Cabinet of Ministers of 29 March 2011 no 245 of the provisions of the "regulations on procedures for the issue, re-register, suspend or revoke the special permission (license) consumer lending services and pay the State fee for the special permission (license) and renewal, as well as requirements for special permissions capital company (license)" 25 and 27 provide consumer protection Center information about the operator's name , registered office, as well as another with the application and the information provided in the annex to the changes within 10 days after the change is made.
10. I certify that I am aware of the fact that false or misleading information the consumer protection centre is a violation of the special permission (license) to receive or renewal may be refused or issued special permit (license) can be reversed. About business without special permission (license) to the Latvian legislation provides both administrative and criminal penalties.
(Mark with X required): State duty payment card;
 certified statement relating to the criminal and administrative criminal record from the country of residence of the person in authority that maintains information about criminal convictions in accordance with national law (if the Corporation Council (if one exists) or Board member is an alien);
  the mandate of the representative (if the application is lodged by the authorised representative);
  other documents (specify) ____ ____ ____ ____ ____ ____ ____ ____ (merchant officer's first name and last name) (signature) (date) Note. Document properties "date" and "signature" does not fill in, if an electronic document is drawn up according to the law on electronic document design.
Economic Minister a. camphor annex 2 of the Cabinet of Ministers of 29 March 2011-Regulation No 245 consumer protection Center special permit (license) no _____ name of the economic operator's registration number in the trade register (or the equivalent competent authority of the European Union or the European economic area in which the Corporation is registered) the operator's registered office special permit (licence) issued consumer lending services in the Republic of Latvia from the ____ of ___. ________, based on consumer protection Center ____ of ____. _ ___ ___ No ___.
Special permit (licence) valid until _____ year _____. ____ ________.
Consumer Protection Center Director (name, surname, signature) Z.v. note. Document properties in the "signature" and "z.v." does not fill in, if the electronic document is drawn up according to the law on electronic document design.
Economic Minister a. camphor annex 3 of the Cabinet of Ministers of 29 March 2011 regulations No 245 application of special amendments to the permit (license) the consumer protection Centre 1. information about the company Corporation (business) name of the special permission (license) number of the registration number in the trade register or an equivalent competent authority of the European Union or the European economic area in which the Corporation is a registered legal address phone number fax number e-mail address 2. Corporations contact name name telephone number fax number e-mail address please make a special permission (licence) the following amendments: (merchant officer's first name and last name) (signature) (date): 1. special permission (license) the reasons for the amendment of conditions.
2. Justification of the supporting documents (specify documents).
3. the mandate of the representative (if the application is lodged by the authorized representative).
Note the. Document properties "date" and "signature" does not fill in, if an electronic document is drawn up according to the law on electronic document design.
Economic Minister a. camphor 4. Annex to the Cabinet of Ministers of 29 March 2011 regulations No 245 application permissions special (license) for the renewal of consumer protection Center please reregister the special permission (license) consumer lending services in the Republic of Latvia from _ _ _ _ _ _ _ _ _ 2004. _____ ________.
1. information on the corporation name (trade name) special permission (license) number of the registration number in the trade register or an equivalent competent authority of the European Union or the European economic area in which the Corporation is a registered legal address phone number fax number e-mail address 2. Corporations contact name, telephone number, fax number, e-mail address, fill in 3 If the application has changed the special permission (license) for the information provided and is not communicated to the consumer protection centre in accordance with the provisions of paragraph 29 : news about business 3.1 (customer service) location (address) or sites and corporations Web site, which offers information society services (if a corporation shall provide such):

3.1.1. details of business (customer service), the location (address) or sites customer service site name (if any) address the proposed lending service 3.1.2. news about the Corporation's internet site (sites), which are or will be offered to consumers in the information society services Internet site address offered lending services 3.2. information about the lending services that the Corporation offers or plans to offer Consumer Credit (required mark with X) support (mark with X If necessary) a short description of the services the mortgage loan for the acquisition of immovable property by another credit in purchasing real estate that is not mortgage loan against pledge of movables (lombard loans) credit consumer product or service purchase financial leasing use lease billing credit cards other (specify) * _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ note. * If necessary, supplemented with the new table column.
3.3. information about the Corporation's employee competence and consumer lending services that provide or will provide services to consumer lending, and information on how the competence of staff is provided (for example, recruitment methods, employee education, employee training programs, and other activities) 4. Want to get a special permission (licence) (mark with X required): a paper document in the form of an electronic document in the form of electronic document circulation of regulatory laws in the order confirm 5. that: 5.1 the Corporation has developed a procedure for providing consumer lending services, consumer complaints and assess the consumer's ability to repay loans;
5.2. the Corporation's employees are competent consumer lending services;
5.3. If the Corporation offers or plans to offer consumer credit agreement, the consumer shall be concluded between the Corporation in stock as collateral for a real thing: 5.3.1. all premises which are carried out or planned provision of consumer and mortgage storage, meet consumer lending requirements;
5.3.2. is concluded or to be concluded with a security guard merchants who operate in accordance with the law on security activities to ensure service compliance with consumer lending requirements;
5.3.3. the insured's civil liability for the Act or omission of the Corporation as a result of damage to the deposited securities of the Corporation.
6. I certify that I am aware of obligation under the Cabinet of Ministers of 29 March 2011 no 245 of the provisions of the "regulations on procedures for the issue, re-register, suspend or revoke the special permission (license) consumer lending services and pay the State fee for the special permission (license) and renewal, as well as requirements for special permissions capital company (license)" 25 and 27 provide consumer protection Center information about the operator's name , registered office, as well as another with the application and the information provided in the annex to the changes within 10 days after the change is made.
7. I certify that I am aware of the fact that false or misleading information the consumer protection centre is a violation of the special permission (license) to receive or renewal may be refused or issued special permit (license) can be reversed. About business without special permission (license) to the Latvian legislation provides both administrative and criminal penalties.
(Mark with X required): State duty payment card;
certified statement relating to the criminal and administrative criminal record from the country of residence of the person in authority that maintains information about criminal convictions in accordance with national law (if the Corporation Council (if one exists) or Board member is an alien);
the mandate of the representative (if the application is lodged by the authorised representative);
other documents (specify) ____ ____ ____ ____ ____ ____ ____ ____ (merchant officer's first name and last name) (signature) (date) Note. Document properties "date" and "signature" does not fill in, if an electronic document is drawn up according to the law on electronic document design.
Economic Minister a. camphor annex 5 of the Cabinet of Ministers of 29 March 2011 regulations No 245 application permissions special (license) to cancellation the consumer protection centre, please cancel the special permission (license) by ___ ___ ___. of __ _____ ________.
Information about the corporation name of the economic operator (business) special permission (license) number of the registration number in the trade register or an equivalent competent authority of the European Union or the European economic area in which the Corporation is a registered legal address phone number fax number e-mail address (merchant officer's first name and last name) (signature) (date) Annex: mandate of the authorised representative (if the application is lodged by the authorized representative, mark with X).
Note the. Document properties "date" and "signature" does not fill in, if an electronic document is drawn up according to the law on electronic document design.
Economic Minister a. camphor