Decreto-Lei n. 359/91 de 21/09/1991. Estabelece normas relativas ao crédito ao consumo. Transpõe para a ordem jurídica interna as Directivas n. 87/102/CEE , de 22 de Dezembro de 1986, e 90/88/CEE, de 22 de Fevereiro de 1990 Diário da republica I Serie A n. 218 de 21/09/1991 Página 4998

This decree-law establishes the legal framework for consumer credit in Portugal. It aims to protect borrowers by implementing European Union standards on transparency and information, ensuring that consumers are fully informed about the costs and terms of loans before signing a contract. This regulation affects all consumers and financial institutions providing credit for consumption purposes. It ensures fair lending practices and standardizes the information required in credit agreements.