Banking & Finance Lawyer in Romania
We provide high-quality legal advisory for financial institutions, banks, investment funds, and companies needing assistance with complex financial transactions.
Banking & Finance Legal Services
Comprehensive coverage of all aspects of banking and finance law in Romania
Loan Agreements
Drafting and negotiating bank, mortgage, and consumer loan agreements in compliance with Romanian and EU legislation.
- Corporate loans
- Mortgage loans
- Consumer credit
- Credit facilities
Capital Markets
Advisory for securities issuances, IPOs, bonds, and capital market transactions in Romania.
- Initial Public Offerings (IPO)
- Bond issuances
- Mergers & acquisitions
- Financial due diligence
Banking Regulation
Assistance with NBR, EBA regulations and Romanian banking law compliance for financial institutions.
- Banking licensing
- Prudential compliance
- Regulatory reporting
- NBR relations
Security & Collateral
Creation and enforcement of guarantees, mortgages, and other security interests in financial transactions.
- Real estate mortgages
- Pledges
- Corporate guarantees
- Enforcement
International Finance
Structuring cross-border, syndicated, and multilateral financing with international partners.
- Syndicated loans
- IFI financing
- Export credit
- Project finance
Fintech & Payment Services
Advisory for fintech startups, PSD2 licensing, electronic payment services, and crypto-assets.
- NBFI/EP licensing
- Open banking
- Cryptocurrencies
- Payment services
Our Financial Sector Clients
Why Choose Us for Financial Advisory?
With extensive expertise in Romanian and European banking and finance law, we offer tailored legal solutions for the most complex financial transactions.
- Experience in complex banking transactions
- Team with European financial law expertise
- Excellent relationships with regulatory authorities
- Practical, solution-oriented approach
- Deep knowledge of the Romanian financial market
- Assistance in Romanian, English, and Hungarian
Our Banking Law Track Record
Proven expertise in financial transactions
Banking & Finance Law FAQ
Common questions about banking law in Romania
More Legal Services for International Businesses in Romania
Comprehensive legal support for your business operations in Romania
Contact Us for Banking Law Advisory
Schedule a consultation with our specialized finance lawyers
Contact
We are always here for you.
Our firm is physically located in the heart of Transylvania, in Târgu Mureș, Mureș County. We offer online services throughout the country and internationally.
Str. Rodnei nr. 3, ap. 1,
Târgu Mureș, jud. Mureș, Romania
Consult a law firm specialized in fiscal and commercial law and insurance law, specifically compensation, for any legal need.
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Pantilimon Avocat — Quality legal services in România and Târgu Mureș.
Cadrul legal bancar și financiar în România
Activitatea instituțiilor de credit este supravegheată de Banca Națională a României, iar contractele de credit sunt supuse Codului civil și legislației de protecție a consumatorilor.
Acte normative aplicabile
- OUG nr. 99/2006
Instituțiile de credit și adecvarea capitalului.
- OUG nr. 50/2010
Contractele de credit pentru consumatori.
- Legea nr. 193/2000
Clauzele abuzive din contractele cu consumatorii.
- Legea nr. 287/2009 (Codul civil)
Împrumutul, garanțiile reale și personale, ipoteca.
Repere esențiale
- Supraveghere
- Băncile funcționează pe baza autorizației emise de BNR și sunt supravegheate prudențial de aceasta.
- Clauze abuzive
- Clauzele care nu au fost negociate direct cu consumatorul și creează un dezechilibru semnificativ între drepturile părților pot fi constatate abuzive de instanță.
- Garanții
- Creditele sunt de regulă garantate prin ipotecă, fideiusiune sau alte garanții, constituite în forma cerută de lege.
- Soluționare alternativă
- Consumatorii pot apela, pentru litigii cu băncile, la Centrul de Soluționare Alternativă a Litigiilor în Domeniul Bancar (CSALB).
Autorități: BNR — www.bnr.ro; ANPC — anpc.ro; CSALB — www.csalb.ro
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