||_G_|_E_|_F_|_O_|
|---|---|---|---|---|
||**_General_ consumer**<br>**protection law without**<br>**explicit reference to**<br>**financial services**|**Consumer protection law**<br>**with****_explicit_ reference to**<br>**financial services**|**Consumer protection**<br>**regulations within the**<br>**framework of****_financial_**<br>**sector legislation**|**_Other_ types of consumer**<br>**protection regulation**|
|**Norway**|√|√|√|X|
|_G Marketing C_<br>_E Financial C_<br>_FLoan Contr_|_ontrol Act (2009); Personal Data Ac_<br>_ontracts Act (1999)_<br>_act Regulation (2000)_|_t (2001)_|||
|**Oman**|√|X|X|√|
|_G Consumer_<br>_OBanking La_<br>concerned l<br>**Pakistan**|_Protection Law (2002)_<br>_w of the Sultanate of Oman (1974)_.<br>icensed institutions for amicable res<br>X|Under the_Banking Law_, the Central<br>olution.<br>√|Bank is required to take up custome<br>√|r grievances addressed to it with the<br>√|

_E Banking Companies Ordinance, Section 82A–G (1962)_ _F State Bank of Pakistan Act (1956); Microfinance Institutions Ordinance (2001); State Bank of Pakistan regulations_ _O BPD Circular No. 30 of 2005 Basic Banking Account (2005); BPRD Circular No. 13 of 2008 Fair Debt Collection Guidelines (2008); BPRD Circular No. 38 of 1997 Collection of Utility Bills (1997); Circular Letter No. 25 of 2009 (2009); BPRD Circular No. 11 of 2009 Pension Disbursement through Banks (2009); BPD Circular No. 23 of 2003 Service Charges on PLS Deposits (2003); BPD Circular No. 12 of 2006 Suo–Moto (2006); Case No. √ /2006—Proper Arrangements in Commercial Banks for Depositing Utility Bills (2006); Service Charges PLS Deposits BPD of 2003 (2003); BSD Circular Letter No. 17 of 2000 (2000)._ The State Bank of Pakistan is also working on a draft Consumer Protection Law.

**Panama** √ √

√ √ _G Law No. 45, establishing Norms on Consumer Protection and Fair Competition (2007)_ _E Banking Law, Executive Decree No. 52 (2008),_ which adopts the text of _Decree Law 9 (1998)_ , as amended by _Decree Law 2 (2008) F Agreement No. 2, Procedures for Dealing with Complaints to the Superintendant (2008) O Law No. 81, Protection of the Rights of Users of Credit Cards and Other Funding Cards (2009)_

**Papua New** X X X X **Guinea Paraguay** √ X X √

_G Law No. 1-1334 on Consumer Protection (1998)_ _O Information Transparency of Law No. 861/96, General Banking, Financial and Other Credit Institutions, Article 106 (1996)_ . The law provides some measure of protection to customers of financial institutions.

**Peru** √ √

√ X _G Law of the System of Consumer Protection approved by Supreme Decree No. 006–2009–PCM (2009)_ . Since 2000, there have been rules enacted on the issue of consumer protection. However, these have been updated over time. Currently, the existing rule is the consolidated text of the law named here. It is important to note that the competent authority in this area is the Institute of the Defense of Competition and Intellectual Property (INDECOPI).

_E Complementary Law No. 28587 on Financial Consumer Protection (2005)_ . The aforementioned _Supreme Decree No. 006–2009–PCM_ provides guidelines on the use of financial services or products, in addition to _Complementary Law No. 28587_ .

_F Information Transparency Regulation_ and regulations applicable to engagement with users of the financial system, approved through _Resolution No. 1765– 2005 SBS (2005)_ _O_ In 2009, work began with the aim of developing a _Consumer Code_ with rules that would provide greater protection to consumers.

**Philippines** √ √ √ √

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