Consumers may submit complaints based on non-compliance with the rules governing the activity of credit intermediaries directly to Banco de Portugal through the form available on this website or by filling out the complaints book, either the physical version at the branches of credit intermediaries, or in digital form available at www.livroreclamacoes.pt.

If the economic operator concerned is not registered on the e-platform ‘Livro de Reclamações’, you can file a complaint through all other means available.

Banco de Portugal is responsible for overseeing the following activities of credit intermediaries:

• Providing draft credit agreements;

• Assisting consumers in preparatory work for credit agreements, even where not presented or proposed by the credit intermediary;

• Entering into credit agreements with consumers on behalf of the lending institutions;

• Providing consultancy services on credit agreements.