Registration Time: 09:15
Sessions Time: 09:30 - 11:30  no break
Speaker: Dr Mariosa Vella Cardona
Venue:   Online Webinar

Participation Fees 
MIA Members: €28.00

Non-MIA Members: €50.00

Retired Members: €15.00

Students: €20.00

*Group bookings for 3 or more participants available.

BACKGROUND INFORMATION

Personal loans, overdrafts and short-term credit products are amongst the most common products offered by banks and financial institutions and availed of by consumers. The provision of such products is regulated by an ad hoc EU directive as transposed into national law. This directive has now undergone a substantial overhaul, with Member States obliged to transpose the revised directive into national law by 20 November 2025. This session will focus on these salient changes as impacting not only consumers and the banking industry itself, but also other creditors such as merchants or businesses offering their customers deferred payment options for goods and services.

SPECIFIC TOPICS TO BE COVERED DURING THE SESSION

The regulation of consumer credit agreements, with a focus on the latest regulatory developments on the subject-matter.

Why is the session of relevance to our members?

As consumers, this session will highlight the rights and obligations ensuing from the revamped regulatory framework dealing with consumer credit and what we, as consumers, should expect when entering into such agreements. As professionals who deal with banks and financial institutions on behalf of clients, this session will highlight the rights and obligations of both lenders and consumers as emanating from the revamped EU directive.

Target Audience

• All professionals, of specific interest to those working in the banking industry or dealing on behalf of clients with banks and financial institutions.

• Consumer associations.

• Public at large.

Speakers's Profile

Dr. Mariosa Vella Cardona is a Maltese warranted lawyer who further specialised in European and Comparative law. She leads her own private practice, providing consultancy services as well as training in various areas requiring expertise in EU laws and policies. In the course of her career, Dr. Vella Cardona has occupied various roles including that of Deputy Chairperson of the Board of Governors of the Malta Competition and Consumer Affairs Authority, member of the National Commission for the Promotion of Equality as well as that of Deputy Secretary General of the Malta Bankers’ Association, amongst others. Her portfolio includes private companies and professional bodies to which she provides general legal support in, amongst others, competition and consumer law, data protection matters, employment law, drafting and vetting of commercial contracts and other. Dr. Vella Cardona is regularly engaged as a national expert by European firms to participate in EU tenders relating to the transposition or implementation of EU laws in Malta.

EVeNT CPE COMPETENCies

2  Core

WEBINARS TERMS AND CONDITIONS

Terms and conditions  apply

DISCLAIMER

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Please note that all webinars are recorded by the MIA. Such recordings will be retained by the MIA for internal use.