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Access key information on credit-related laws and deepen your knowledge with our expertise.

There are numerous laws related to credit. To assist you, we highlight some major texts, along with their general scope and reference, so you can further your research on the Belgian Official Gazette website. Our specialized lawyer, engaged since November 2011, is at your disposal to answer your legal questions. Feel free to ask your questions via our forum, so all our clients can benefit. Additionally, consult our FAQ for quick answers to the most common questions.

Main Legal Texts

Law of June 12, 1991

Related to consumer credit (Belgian Official Gazette of July 9, 1991). Includes information on the formation of the credit contract, APR, early repayment, etc.

Law of December 16, 1851

Known as the mortgage law (Belgian Official Gazette of December 22, 1851). Includes details on privileges and mortgages, registration and cancellation, etc.

Law of August 4, 1992

Related to mortgage credit (Belgian Official Gazette of August 19, 1992). Includes information on the control of establishments and the insurance obligation.

Law of March 22, 1993

Known as the “banking law” (Belgian Official Gazette of April 19, 1993). Regulates credit institutions to protect public savings and the banking system.

Law of February 22, 1998

Establishing the organic status of the National Bank of Belgium (Belgian Official Gazette of March 28, 1998). Includes information on its operation.

Collective Debt Settlement

Title IV of the Judicial Code (art. 1675/2 to 1675/19). Organizes the rights of non-commercial individuals in situations of over-indebtedness.

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