# National Bank of Serbia consumer protection measures

> Live situation record from CLSTR: https://clstr.news/situations/national-bank-of-serbia-consumer-protection-measures
> Updated: 2026-09-19T11:41:44.000Z. Sources: 9. Developments: 2.

The National Bank of Serbia has moved from issuing consumer warnings to proposing legislative reforms to protect financial service users.

Initially, the central bank and financial experts issued warnings regarding the risks of revolving credit cards. They highlighted how making only minimum monthly payments can lead to a cycle where interest and fees prevent the principal debt from decreasing, potentially causing total interest costs to exceed the original borrowed amount.

Following these warnings, the National Bank of Serbia drafted amendments to the Law on the Protection of Financial Services Users. These proposed changes aim to align domestic laws with European Union standards for mortgage and consumer credit. The draft includes requirements for credit intermediation and debt counseling to be handled only by licensed entities under central bank supervision. It also introduces a systemic debt counseling service to assist users facing financial difficulties and addresses merchant-approved purchase financing.

## Claims

- The National Bank of Serbia has prepared a draft amendment to the Law on the Protection of Financial Services Users. (corroborated by 2 sources)
- Credit intermediation and debt counseling services will only be provided by licensed entities under the supervision of the National Bank of Serbia. (corroborated by 2 sources)
- The amendments include regulations for purchase financing approved by merchants from their own funds, such as deferred payments. (corroborated by 2 sources)
- The draft aims to align domestic legislation with European Union law. (corroborated by 2 sources)
- A systemic debt counseling service will be introduced for users facing difficulties in meeting financial obligations. (corroborated by 2 sources)
- The Credit Bureau has introduced the IPS Scan option for faster payments via mobile banking. (single source)
- Credit reports contain data on active obligations to banks, leasing companies, and other financial providers from the previous three years. (single source)

## Timeline

### 2026-09-19: National Bank of Serbia proposes new financial consumer protection laws

The National Bank of Serbia is drafting new consumer protection laws for financial services, including regulated debt counseling. Meanwhile, the Credit Bureau has added IPS Scan for easier report payments.

7 sources. https://clstr.news/cluster/national-bank-of-serbia-proposes-new-financial-consumer-protection-laws

### 2026-08-28: National Bank of Serbia warns of revolving credit card debt traps

Financial experts and the National Bank of Serbia warn that paying only the minimum on revolving credit cards can lead to a debt trap due to high interest accumulation on the remaining principal.

3 sources. https://clstr.news/cluster/national-bank-of-serbia-warns-of-revolving-credit-card-debt-traps

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Cite as: National Bank of Serbia consumer protection measures. CLSTR, https://clstr.news/situations/national-bank-of-serbia-consumer-protection-measures