{"id":73592,"date":"2026-07-31T17:43:20","date_gmt":"2026-07-31T15:43:20","guid":{"rendered":"https:\/\/www.lexia.it\/?p=73592"},"modified":"2026-08-03T17:53:06","modified_gmt":"2026-08-03T15:53:06","slug":"buy-now-pay-later-consumer","status":"publish","type":"post","link":"https:\/\/www.lexia.it\/en\/2026\/07\/31\/buy-now-pay-later-consumer\/","title":{"rendered":"Buy Now Pay Later and the challenges posed by the new consumer credit rules"},"content":{"rendered":"\n<p>In recent years, Buy Now Pay Later (BNPL) has experienced significant growth, becoming one of the most popular payment methods in e-commerce and, more broadly, across the digital marketplace. The ability to spread payments through a simple, fast and, in most cases, interest-free solution has driven the widespread adoption of this model, making it an integral component of many operators&#8217; commercial offerings.<\/p>\n\n\n\n<p>However, the rapid evolution of the market has highlighted the need for a regulatory framework capable of ensuring a higher level of consumer protection. Against this backdrop, the new Consumer Credit Directive (EU) 2023\/2225 (CCD2) is set to significantly reshape the regulatory landscape, including the Buy Now Pay Later sector.<\/p>\n\n\n\n<p>Among the key compliance requirements introduced by the reform are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>the review of compliance frameworks and operational processes;<\/li>\n\n\n\n<li>the implementation of consumer creditworthiness assessments;<\/li>\n\n\n\n<li>the update of contractual documentation and pre-contractual disclosures;<\/li>\n\n\n\n<li>compliance with the implementing provisions to be issued by the Bank of Italy as part of the national transposition of the Directive.<\/li>\n<\/ul>\n\n\n\n<p>The European legislator aims to strike a balance between two seemingly competing objectives: on the one hand, strengthening consumer protection in relation to increasingly widespread forms of financing; on the other, preserving the simplicity, speed and accessibility that have made Buy Now Pay Later such a successful payment solution.<\/p>\n\n\n\n<p>In <a href=\"https:\/\/www.aziendabanca.it\/\">AziendaBanca<\/a>, <a href=\"https:\/\/www.lexia.it\/en\/professionista\/angelo-messore\/\" type=\"link\" id=\"https:\/\/www.lexia.it\/en\/professionista\/angelo-messore\/\">Angelo Messore<\/a> examines the key innovations introduced by the CCD2 and analyses the operational implications of the reform for financial intermediaries, fintech companies and Buy Now Pay Later service providers.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.aziendabanca.it\/notizie\/banche\/bnpl-sfide-delle-nuove-norme-credito-al-consumo\" type=\"link\" id=\"https:\/\/www.aziendabanca.it\/notizie\/banche\/bnpl-sfide-delle-nuove-norme-credito-al-consumo\">Read the full article on AziendaBanca > <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>In recent years, Buy Now Pay Later (BNPL) has experienced significant growth, becoming one of the most popular payment methods in e-commerce and, more broadly, across the digital marketplace. The ability to spread payments through a simple, fast and, in most cases, interest-free solution has driven the widespread adoption of this model, making it an &hellip; <a href=\"https:\/\/www.lexia.it\/en\/2026\/07\/31\/buy-now-pay-later-consumer\/\">Continued<\/a><\/p>\n","protected":false},"author":13,"featured_media":73593,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[667],"tags":[],"area":[],"collana":[],"competenza":[623],"class_list":["post-73592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-en","competenza-financial-regulation-fintech"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Buy Now Pay Later and the new consumer credit rules - LEXIA<\/title>\n<meta name=\"description\" content=\"Buy Now Pay Later and CCD2: new compliance, creditworthiness and transparency requirements for operators, fintech and intermediaries.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexia.it\/en\/2026\/07\/31\/buy-now-pay-later-consumer\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Buy Now Pay Later and the new consumer credit rules - 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