Overview
Lobbying Costs
10,000€ - 24,999€
Financial year: Jan 2023 - Dec 2023
Lobbyists (Full time equivalent)
0.25 Fte (1)
Lobbyists with EP accreditation
0
High-level Commission meetings
0
Lobbying Costs over the years
-
Info
4finance Group
EU Transparency Register
722373734443-59 First registered on 04 Apr 2019
Goals / Remit
Established in 2008, 4finance is one of Europe’s largest digital consumer lending groups with operations in 11 countries. Leveraging a high degree of automation and data-driven insights across all aspects of the business, 4finance has grown rapidly, issuing over €10 billion since inception in single payment loans, instalment loans and lines of credit. 4finance operates a portfolio of market leading brands, through which, as a responsible lender, the firm offers simple, convenient and transparent products to millions of customers who are typically underserved by conventional providers. 4finance has group offices in Riga (Latvia) and London (UK). The Group also offers deposits, in addition to consumer and SME loans through its TBI Bank subsidiary, an EU licensed institution with operations in Bulgaria, Romania and Greece.
Main EU files targeted
We have been primarily interested in the revised Consumer Credit Directive, now passed to Member States for implementation. As a business we have operated since the the 2008 Directive was launched. We have experience of over a dozen European markets and how the CCD has been implemented locally.
Address
Head Office
Lielirbes iela 17a-8
Riga LV-1046
LATVIAEU Office
Lielirbes iela 17a-8
Riga LV-1046
LATVIAWebsite
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People
Total lobbyists declared
1
Employment time Lobbyists 25% 1 Lobbyists (Full time equivalent)
0.25
Lobbyists with EP accreditation
No lobbyists with EP accreditations
Complementary Information
Our local operations are sometimes active at the national level, through trade associations.
Person in charge of EU relations
Data not provided by Register Secretariat due to GDPR
Person with legal responsibility
Data not provided by Register Secretariat due to GDPR
-
Categories
Category
Companies & groups
-
Networking
Affiliation
None declared
Member organisations
None declared
-
Financial Data
Interests represented
Promotes their own interests or the collective interests of their members
Closed financial year
Jan 2023 - Dec 2023
Lobbying costs for closed financial year
10,000€ - 24,999€
Major contributions in closed year
None declared
Intermediaries for closed year
None declaredIntermediaries for current year
None declaredClosed year Costs
10,000€ - 24,999€
Other financial info
None declared
-
EU Structures
Groups (European Commission)
none
Groups (European Parliament)
N/A
Communication activities
Responding to the CCD evaluation process, to share views on its current form and how it might evolve to better reflect the changes in the market and citizens' expectations.
Other activities
We have engaged with the EC through its mission to Latvia, via lafpa.lv.
We have also engaged through the Latvian, Czech, Spanish and Polish industry associations at the EC Consumer Summit in January.
We participated in workshops with DG Justice and Consumer as part of its work to evaluate the effectiveness of the CCD.
Meetings
Meetings
None declared