(Prague, November 1, 2011) Before the end of the year, “favourable” credit offers attack consumers more and more often. Despite the fact that it has been almost a year since the new Consumer Credit Act came into force and provided more restrictive creditors’ obligations and newly introduced obligations of consumer credit intermediaries, the CTIA inspectors still find repeated defects. The most frequent findings concern advertisements and offers concerning provision of consumer credits without obligatory information about the intermediary and a representative example or both. However, consumers tolerate these defects and sign intermediary contracts without being familiar with the terms and conditions and without having any certainty of really getting the credit. Subsequently they get stuck in a financial trap as a result of lack of their interest in important information. In the first 9 months of 2011, controls proved inspectors’ findings from the first half-year – more than a half of all controlled creditors and intermediaries breached their obligations towards consumers. Particular legal provisions were breached in 111 of 212 checks. So far, 73 fines in the total amount of CZK 776.000 were imposed; other administrative proceedings have not ended, yet.