Pursuant to the Act on Consumer Housing Loans, credit intermediaries having their head offices in another member state can also provide services in the Republic of Croatia. A credit intermediary from another member state can only provide those credit intermediation services in the territory of the Republic of Croatia for which the intermediary has obtained authorisation from the competent authority in its home member state, i.e. in the state in which the intermediary has its domicile, registered head office or place of management.
Foreign credit intermediaries can provide their services in the Republic of Croatia through a branch or directly, but they can start providing their services only upon the expiry of 30 days of the day of delivery of the notification to the Croatian National Bank. In the notification, the authority competent for authorisation and supervision of the credit intermediary from the intermediary's home member state notifies the Croatian National Bank about the services and the manner in which the credit intermediary intends to provide the services in the Republic of Croatia. Such a notification with all necessary data is submitted to the Croatian National Bank on the appropriate form prescribed by the Decision on notification of the provision of cross-border credit intermediation services (OG 107/2017).
Passport notifications and all relevant documents related to the procedure of notification of the Croatian National Bank on the provision of cross-border intermediation services in consumer mortgage loans are submitted in Croatian or English in one of the following ways:
in writing to the following postal address:
Ured za praćenje zaštite potrošača
Hrvatska narodna banka
Trg hrvatskih velikana 3
10 002 Zagreb
Republika Hrvatska
to the e-mail address of the Croatian National Bank:
to the following fax number:
+385 1 4590 332
Credit intermediaries from another member state must not operate in the territory of the Republic of Croatia through designated representatives or provide credit intermediation services on behalf and for the account of institutions that are not credit institutions.
The Croatian National Bank regularly updates the data from the received passport notifications.