The present paper analysis the regulations through which the National Bank of Romania proved its concern in creating the framework for the credit institutions to develop responsible lending strategies, particularly as far as the foreign currency loans granted to individual persons are concerned, with regard to non-hedged currency risk.

The present paper analyses the duty to inform consumers imposed to the banks in the hypothesis of loans granted in CHF, within the context of the umpredicible evolution undergone by this currency. The argument put forward is that the bank is obliged to inform the vulnerable consumers on the foreign currency risk, and the breach of such obligation is the nullity on the basis of fraud consisting of the omission to communicate the necessary infor...