Filip & Company

By Elena Nițu (Associate) with the coordination of Rebecca Marina (Partner), Filip & Company A Mid-Year Reflection on the Developments That Shaped Financial Services in H1 2026 in Romania Why H1 2026 Deserves Reflection The first half of 2026 produced no shortage of headlines in the financial services. Artificial intelligence continued to dominate industry discussions, regulatory frameworks entered new phases of implementation, and financial institutions accelerated investments in digital...

By Sandra Danciu (Associate) and Rebecca Marina (Partner) at Filip & Company For years, sustainability functioned in financial services primarily as a differentiator. Financial institutions promoted “green” products, responsible investment strategies or climate-conscious lending largely as part of branding and market positioning. Today, however, the legal significance of such claims is changing rapidly. As financial services become increasingly digitised, sustainability statements are no...

By Sandra Danciu (associate), with the review of Camelia Ianțuc (Counsel), Filip & Company Automated lending is often presented as a story of efficiency — faster approvals, better customer experience, and scalable growth. Under the Consumer Credit Directive II (Directive (EU) 2023/2225) ( “CCD II”), however, the real question is no longer how quickly credit can be granted, but whether each decision can be justified as prudent, evidence-based, and legally defensible. In that sense, CCD II...