Non-bank Consumer Credit Provider licence (Czech Republic)
The Non-bank Consumer Credit Provider licence (oprávnění k činnosti nebankovního poskytovatele spotřebitelského úvěru) is issued by Czech National Bank (CNB) under Act No. 257/2016 Coll. on Consumer Credit. It is a national licence: it does not give a passport to other EU/EEA states. The official register lists 73 current holders. The application fee is CZK 50,000 (plus CZK 25,000 extension fee). Ownership changes need the regulator's approval before completion.
At a glance
| Official name | Non-bank Consumer Credit Provider licence1 |
|---|---|
| Local name | oprávnění k činnosti nebankovního poskytovatele spotřebitelského úvěru |
| Also known as | Czech non-bank lender licence · Czech consumer credit licence |
| Issued by | Czech National Bank |
| Jurisdiction | Czech Republic |
| Licence family | Lending / consumer credit |
| Legal basis | Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers2 Act No. 257/2016 Coll. on Consumer Credit3 Regulation (EU) 2020/1503 on European crowdfunding service providers for business4 |
| Passporting | Domestic only |
| Application fee | CZK 50,000 (plus CZK 25,000 extension fee)5 |
| Public register | official register6 |
| Current holders | 736 |
What it lets you do
| Lending | Granting loans, including consumer credit, mortgage credit, factoring and financing of commercial transactions. |
|---|---|
| Consumer credit | Granting or promising credit to consumers, including buy-now-pay-later, subject to consumer protection rules on information, creditworthiness and withdrawal. |
Where it is valid
Cost
Buying a company that already holds it
Prior notification with an objection period. Under Section 18 of the Payment Systems Act (Act No. 370/2017 Coll.), any person or persons acting in concert intending to acquire, dispose of, or increase a qualifying holding in a payment institution or electronic money institution reaching or exceeding 20%, 30%, or 50% of voting rights or capital, or become the controlling person, must notify the CNB in advance via electronic filing. The CNB assesses the trustworthiness and suitability of the proposed acquirer within a statutory 60-working-day window and may initiate proceedings to issue a formal objection (vyslovení nesouhlasu). In the absence of an objection or upon affirmative notification, the acquisition may proceed. Acquiring qualifying holdings in breach of notification or objection leads to statutory forfeiture of voting rights. In contrast, for banks and investment firms under Act No. 21/1992 Coll. and Act No. 256/2004 Coll., prior approval (předchozí souhlas) is required subject to a CZK 20,000 fee under Item 66 of Act No. 634/2004 Coll. Small-scale providers (PPSMR/VEPMR) are exempt from change-of-control clearance.7
Credit in other countries
| Country | Licence | Regulator | Min. capital | Application fee | Statutory time |
|---|---|---|---|---|---|
| Australia | Australian credit licence (ACL) | ASIC | n/a | n/a | n/a |
| Cyprus | European Crowdfunding Service Provider authorisation | CySEC | n/a | n/a | n/a |
| Czech Republic | Non-bank Consumer Credit Provider licence | CNB | n/a | CZK 50,000 | n/a |
| Czech Republic | Crowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPR | CNB | n/a | CZK 20,000 | ~3 mo |
| Estonia | Operating licence as a credit servicer | FI | n/a | n/a | n/a |
| Estonia | Operating licence as a creditor | FI | n/a | n/a | n/a |
| Estonia | Authorisation as a crowdfunding service providerAuthorisation as a crowdfunding service provider under ECSPR | FI | n/a | n/a | n/a |
| Estonia | Authorisation for operating as a financial institution | FIU | n/a | EUR 3,300 | ~2.8 mo |
| Estonia | Operating licence as a credit intermediary | FI | n/a | n/a | n/a |
| France | European crowdfunding service provider authorization | AMF | n/a | n/a | ~3 mo |
| Ireland | Crowdfunding Service Provider Authorisation (ECSPR) | CBI | n/a | n/a | n/a |
| Italy | European crowdfunding service provider authorization (ECSPR) | CONSOB | n/a | n/a | ~3 mo |
| Latvia | Crowdfunding service provider authorization | LB | n/a | n/a | n/a |
| Lithuania | Crowdfunding service provider authorization | LB | n/a | n/a | n/a |
| Lithuania | Peer-to-peer lending platform operator | LB | n/a | n/a | n/a |
| Luxembourg | Crowdfunding service provider authorisation | CSSF | n/a | EUR 30,000 | n/a |
| Netherlands | European Crowdfunding Service Provider (ECSPR) authorisationEuropean Crowdfunding Service Provider (ECSPR) authorisation under Regulation (EU) 2020/1503 | AFM | n/a | EUR 200 | ~4.2 mo |
| Poland | Crowdfunding Service Provider authorizationCrowdfunding Service Provider authorization under ECSPR | KNF | n/a | n/a | n/a |
| Poland | Lending Institution registration | KNF | n/a | PLN 616 | n/a |
| Slovakia | Crowdfunding service provider authorisationCrowdfunding service provider authorisation under ECSPR | NBS | n/a | n/a | n/a |
| Spain | European crowdfunding service provider authorization | CNMV | n/a | n/a | n/a |
| Spain | Specialized lending credit institution authorization | BdE | n/a | n/a | n/a |
| United Kingdom | Consumer Credit Full Permission Authorisation (Part 4A FSMA) | FCA | n/a | n/a | n/a |
Values come from each licence's page, where every figure has its source.
Laws behind it
- Consumer Credit Directive (CCD2): Directive (EU) 2023/2225
- European Crowdfunding Service Providers Regulation: Regulation (EU) 2020/1503
Sources
- cnb.cz: licensing and approval proceedings · retrieved 2026-09-24
- EUR-Lex: oj · retrieved 2026-09-24
- Czech legislation (Zákony pro lidi): 2016 257 · retrieved 2026-09-24
- EUR-Lex: CELEX 32020R1503 · retrieved 2026-09-24
- Czech legislation (Zákony pro lidi): 2004 634 · retrieved 2026-09-24
- cnb.cz: fms 2024 (PDF) · retrieved 2026-09-24
- Czech legislation (Zákony pro lidi): 2017 370 · retrieved 2026-09-24
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