New legislation
On 29 October 2025, the Government approved a draft law to provide greater protection for consumers when entering into financial services contracts via the internet, telephone or other electronic means. The law is based on an EU directive and is due to come into force in June 2026.
The bill transposes Directive (EU) 2023/2673 of the European Parliament and of the Council on distance contracts for financial services (DMFS) into Czech law. The aim of the new legislation is to strengthen consumer protection in cases where financial services negotiated online do not fall under other specific regulation. It covers, for example, certain savings products, short-term insurance, supplementary pension savings or selected crypto-assets.
The law extends the information obligations of providers, introduces clearer presentation of terms and conditions and strengthens the consumer’s right to withdraw from the contract. Another new feature is the so-called “withdrawal button”, which must be available for all contracts concluded online. The Directive also prohibits ‘dark patterns’, i.e. manipulative interfaces that can lead consumers to make unfavourable decisions.
The law is proposed to come into force on 19 June 2026. The proposal now heads to the legislative process for discussion in Parliament.
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