Legislation
Legislation
The documents listed below are provided only in Portuguese, with exception of Decree-Law No. 144/2009, of 17 June.
The information provided below does not replace consulting the legislation published in the Official Gazette.
Credit Ombudsman
Decreew-Law No. 144/2009 of 17 June, which created the Credit Ombudsman in the Portuguese legal framework.
Granting of credit
Decreew-Law No. 133/2009 of 2 June (consolidated), which transposes Directive No. 2008/48/EC of the European Parliament and of the Council of 23 April, on credit agreements for consumers, into national law.
Law No. 64/2014, of 26 August, which approves the regime for granting subsidized housing credit to people with disabilities.
Decreew-Law No. 74-A/2017 of 23 June (consolidated), which approves the regime for credit contracts relating to real estate, establishing rules applicable to credit to consumers when secured by mortgage or another right over real estate.
Decreew-Law No. 44/2024 of 10 July (consolidated), which establishes the conditions under which the State may provide a personal guarantee to credit institutions for the purpose of facilitating the provision of housing credit for first-time home purchases to individuals up to 35 years old.
Medida macroprudencial do Banco de Portugal macroprudential measure directed at new credit agreements concluded with consumers.
Prevention and management of default
Decreew-Law No. 227/2012 of 25 October (consolidated), which establishes principles and rules to be observed by credit institutions in the prevention and regularization of credit contract default situations by bank customers, and creates an extrajudicial network to support these bank customers in the regularization of such situations.
Banco de Portugal's Central Credit Register (Portuguese acronymous, CRC).
Credit moratoria
Decrew-Law No. 31-B/2026 of 6 February (consolidated), which establishes a loan moratorium for households and companies affected by Storm “Kristin”.
Banco de Portugal press release of 25 May 2026: Storm Kristin. A new moratorium has come into force for credit agreements with affected customers.
Last update: 07 August 2026
