Dutch consumer credit bill passes the Tweede Kamer, but 20 November looks out of reach

What it means for credit providers and BNPL firms

Nothing changes in Dutch law until the royal decree sets the date. The current rules keep applying to your products in the meantime.

The licence is the long lead item. A buy now, pay later provider that grants credit needs an AFM licence under Article 2:60 of the Wft, and a licence cannot take effect before the Act does. The AFM has accepted applications since June 2026. Large companies that act as credit intermediary on the side register under Article 2:81 Wft instead. For credit cards with deferred debit, the bill adds six months after the Act takes effect.

Two parts of the bill touch the checkout directly: deferred payment is closed to minors, and the draft implementing decree requires a BKR check for every credit, however small.

The motions to watch

On 6 October the Tweede Kamer also adopted five motions. They ask the government for AFM guidance on which everyday payment and invoicing methods count as credit, a mandatory warning sentence at BNPL checkouts, fees without a profit margin, monitoring of the new rules, and age as an explicit risk factor in the creditworthiness assessment.

Motions are requests to the government. None of them is law yet.