This availability of Banco de Portugal to talk to institutions on an ongoing basis, in strict observance of the diversity of their respective roles, makes behaviours in contravention of the regulatory framework even more unacceptable, an aspect that cannot be emphasised enough. 1/4  BIS central bankers' speeches  3.
The publication of Decree-Law No 133/2009 of 2 June 2009, which transposed the second European directive on consumer credit agreements, was a milestone for consumer rights in Portugal. We have come a long way since then.