The provisions included in the Consumer Protection Act will be amended temporarily due to the state of emergency related to the coronavirus pandemic. However, none of the amendments will apply to housing loans or consumer credit with residential property placed as security. The amendments were entered into force on 1 July 2020 and they will remain valid until 30 September 2021.  Subject to the interest rate cap provision applicable to consumer credit, the interest rate may be 10% at maximum. In fact, the interest rate of consumer credit offered by Nordea, as a rule, has already been less than 10%. The amendment will not apply to credit cards, i.e. their interest rates will remain the same as before.  Similarly, the fees charged on consumer credit will remain unchanged.