CONSUMER CREDIT REGULATION IN THE CROATIAN LEGAL FRAMEWORK AND PRACTICE

Tema ovog diplomskog rada je uređenje potrošačkog kreditiranja u hrvatskom pozitivnom pravnom okviru i praksi uz osvrt na brojne presude koje se vežu uz kredite u švicarskim francima, u hrvatskoj javnosti poznatije pod nazivom slučaj Franak. U radu se u prvom redu analiziraju i prikazuju odredbe Zakona o potrošačkom kreditiranju te Zakona o stambenom potrošačkom kreditiranju. U skladu s tim detaljno je obrađen pojam ugovora o kreditu te ugovora o stambenom kreditu. Analiziran je predmet navedenih ugovora, zatim strane ugovora, odnosno vjerovnik i potrošač te njihove dužnosti i prava.The topic of this thesis is regulation of consumer credit in Croatian legislation and practice with reference to numerous verdicts related to credits in Swiss francs, better known in croatian public as the case Franak. This thesis primarly analyzes and presents the provisions od the Consumer Credit Act and the Mortgage Credit Act. Accordingly, analyzes term of the consumer credit agreement and consumer mortgage credit agreement. The subject of the mentioned contracts is analyzed, then the parties to the contract, ie. the creditor and the consumer and their duties and rights