Ochrana spotřebitele v úvěrovém financování

The bachelor's thesis focuses on consumer protection in the area of credit financing, particularly in relation to mortgage loans. The aim of the thesis is to evaluate the development of legal consumer protection and to illustrate how legislative changes are reflected in practice, specifically regarding the amount of the early repayment fee for a mortgage loan and the transparency of the rules. The theoretical part discusses the importance of consumer protection, the historical development of the Consumer Credit Act, its current form, and the influence of European directives (CCD1, MCD, CCD2). It also describes the powers of the authorities responsible for supervising compliance with the rules. The empirical part focuses on the analysis of the calculation of the early repayment fee for a purpose-specific mortgage loan under the new legal framework effective from September 1, 2024. Using a specific model example, the final costs to the consumer are compared across different time periods. The aim of this analysis is to determine how the changes in legislation have been reflected in real-world practice and whether they have led to strengthened consumer protection.