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RESOLUTION OF BOARD OF THE NATIONAL BANK OF UKRAINE

of August 1, 2025 No. 94

About approval of the Regulations on regulation of activities for provision of consumer loans with participation of credit intermediaries of suppliers of financial services

According to Articles 7, of 15, 55-1, 56 of the Law of Ukraine "About the National Bank of Ukraine", article 39 of the Law of Ukraine "About financial services and finance companies", article 5 of the Law of Ukraine "About consumer crediting", article 37 of the Law of Ukraine "About credit unions", for the purpose of settlement of activities for provision of consumer loans with participation of credit intermediaries of suppliers of the financial services Board of the National Bank of Ukraine decides:

1. Approve Regulations on regulation of activities for provision of consumer loans with participation of credit intermediaries of suppliers of financial services (further - the enclosed Provision).

2. To the finance companies performing activities in the sphere of consumer crediting for provision of consumer loans with participation of credit intermediaries based on the license for activities of finance company which includes the right to provision of means and bank metals on credit, and to the credit unions performing activities in the sphere of consumer crediting for provision of consumer loans with participation of credit intermediaries based on license for activities of credit union within three months from the date of entry into force of this resolution:

1) to bring the activities into accord with requirements of the Provision;

To provide 2) to the National Bank of Ukraine the domestic situation developed taking into account requirements of Item 9 of the Section II of Provisions on provision of consumer loans with participation of the credit intermediary electronically or its paper copy with observance of requirements of the subitem 1 of Item 10 of the Section II of Provisions.

3. To the credit intermediaries performing intermediary services in the sphere of consumer crediting before entry into force of this resolution to bring the activities into accord with requirements of provision within three months from the date of entry into force of this resolution.

4. To department of methodology of regulation of activities of non-bank financial institutions (Sergey Savchuk) after official publication to inform the finance companies and credit unions having the right to provide financial service in provision of means and bank metals on credit, information on adoption of this resolution.

5. The resolution becomes effective from the date of, its official publication following behind day.

Approved by the Resolution of Board of the National Bank of Ukraine of August 1, 2025 No. 94

Regulations on regulation of activities for provision of consumer loans with participation of credit intermediaries of suppliers of financial services

I. General provisions

1. This Provision is developed according to the laws of Ukraine "About the National Bank of Ukraine", "About consumer crediting" (further - the Law on consumer crediting), "About financial services and finance companies" (further - the Financial services act), "About credit unions" (further - the Law on credit unions).

2. Terms in this Provision are used in such value:

1) group of credit intermediaries - two or more credit intermediaries with whom the organization loan provider signed intermediary contracts;

2) the head of the credit intermediary - the physical person which is the credit agent, the physical person entrepreneur who is the credit agent or the loan broker and also the head (heads) of the legal entity who is the credit agent or the loan broker or person fulfilling its duties;

3) payment - remuneration (sales charge) or other service fee of the credit intermediary;

4) the intermediary agreement - the agreement of the order signed between organization loan provider and the credit agent based on whom the credit agent acts on behalf and for the benefit of organization loan provider and carries out part of obligations of organization loan provider under the agreement on consumer loan, or the agreement signed between organization loan provider and the loan broker based on whom the loan broker on its own behalf for the benefit of organization loan provider performs for remuneration intermediary activities in the sphere of consumer crediting;

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