Moldova's National Commission for Financial Markets (CNPF) adopted decisions covering insurance disclosure, capital-markets authorisations and consumer-protection supervision. The package includes approval of a new regulation requiring a standardised insurance product information document and the start of thematic inspections of banks, non-bank payment service providers and insurers. The insurance disclosure regulation introduces a single, short, easy-to-understand document written in clear, neutral language, intended to help consumers quickly identify key features of an insurance product and compare offers. The document must include standardised information on the insurance type, covered risks, main exclusions, liability limits and sums insured, contract duration, parties’ obligations and premium payment methods; the regulation was subject to public consultation and is framed as an alignment to European Union practices. On capital-markets actions, CNPF removed from the issuer register the securities of joint stock company AQUA TELECOM following liquidation (20,000 registered ordinary shares), registered securities issued at incorporation of joint stock company BARCARI INTERNATIONAL (MDL 609,700, 6,097 registered ordinary shares with MDL 100 nominal value, funded by non-cash contributions), registered a share-capital reduction at joint stock company BESWEET by MDL 3,252,816 via a nominal value cut from 12 lei to 3 lei per share (post-reduction capital MDL 1,084,272 across 361,424 registered ordinary shares), and approved mandatory withdrawal requests for AUTOSERVICE (14,005 shares) and INTEGRAL-AUTO (2,850 shares). On supervision, CNPF initiated an expanded thematic control across all banks and non-bank payment service providers to test compliance with consumer-protection requirements, including how interest rates and annual percentage rate cost components are calculated and applied in real-estate-secured credit contracts concluded between 01.01.2023 and 24.10.2025 that were still being performed as of 16.12.2025, and the legal compliance of consumer payment-services framework contracts in force as of 16.12.2025. The insurance product information document regulation enters into force on 25.06.2026. The bank and payment-services control is scheduled for 16.12.2025–13.06.2026, while the thematic control of insurers’ handling and payment of domestic MTPL (RCA) claims, including bodily injury and death compensation determinations, runs for 16.12.2025–19.05.2026 and covers files handled in 01.01.2025–30.09.2025.
National Commission for Financial Markets 2025-12-18
Moldova's National Commission for Financial Markets approves insurance product information document rules and launches thematic consumer-protection inspections
Moldova's National Commission for Financial Markets adopted new regulations on insurance disclosure, capital-markets authorisations, and consumer-protection supervision. Key measures include a standardised insurance product information document to align with EU practices and thematic inspections of banks, non-bank payment service providers, and insurers. The Commission also made capital-market adjustments, including share-capital changes and mandatory withdrawal approvals.