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Resources
Legal basis, EU context and press coverage
This page groups the essential sources for understanding the problem and documenting the campaign.
Reported cases and investigations
Snoop
Investigation into the phenomenon of fake loans contracted with stolen identity documents.
Read the articleHotNews
Case report about personal data used for financial products and loans without real consent.
Read the articleLibertatea
Concrete case involving personal data allegedly used abusively for illegal loans.
Read the articleȘtirile ProTV
Example of online loans taken using someone else’s identity data and the effects that followed.
Read the articlePrimary legal sources
O.G. 85/2004
The core act of the campaign. It covers the concept of financial services, the formation of distance contracts, ANPC’s competence, and the burden of proof on the provider.
Open the actHigh Court Decision (RIL) 23/2019
The decision clarifying that a remote financial-services contract may be enforceable in certain conditions even without handwritten or advanced electronic signatures.
Open the decisionO.U.G. 50/2010
Romania’s consumer-credit framework, including duties on timely pre-contract information provided on a durable medium.
Open the actLaw 129/2019
Romania’s AML/KYC law requiring identification and verification from secure sources and retention of relevant records.
Open the actO.G. 27/2002
Romania’s general petition framework for public authorities and institutions, including the response deadline.
Open the actEU context
AMLD - Directive (EU) 2015/849
The European due-diligence basis for customer identification and anti-money-laundering obligations in the financial sector.
Open the directiveEBA - Remote customer onboarding
EBA guidance and materials on the use of remote onboarding solutions and the assessment of their adequacy.
Open the material