{"id":44996,"date":"2025-04-30T15:24:25","date_gmt":"2025-04-30T14:24:25","guid":{"rendered":"https:\/\/crs-advogados.com\/2024-behavioral-supervision-report-overview-and-challenges-of-credit-intermediation-activity\/"},"modified":"2025-05-27T11:22:37","modified_gmt":"2025-05-27T10:22:37","slug":"2024-behavioral-supervision-report-overview-and-challenges-of-credit-intermediation-activity","status":"publish","type":"post","link":"https:\/\/crs-advogados.com\/en\/2024-behavioral-supervision-report-overview-and-challenges-of-credit-intermediation-activity\/","title":{"rendered":"2024 Behavioral Supervision Report \u2013 Overview and Challenges of Credit Intermediation Activity"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"44996\" class=\"elementor elementor-44996 elementor-44927\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eea709c elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"4eea709c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-61c36c6 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"61c36c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4412ebb sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"4412ebb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>On April 9<sup>th<\/sup>, 2025, Bank of Portugal published the Behavioral Supervision Report. This report is published annually and is a fundamental instrument for transparency, accountability, and strategic guidance for behavioral supervision in the banking and retail markets.<\/p>\n<p>This report consists of the following considerations:<\/p>\n<ul>\n<li>Assessment of the regulatory, inspection, and educational activities carried out by the Bank of Portugal for the year in question;<\/li>\n<li>Reflections on the priorities and challenges identified in the previous year, with a view to setting the goals for subsequent years;<\/li>\n<li>Assessment of compliance with the rules by financial institutions and financial intermediaries;<\/li>\n<li>Promotion of consumer trust and financial system stability;<\/li>\n<li>Strengthening of the preventive and collaborative role of the Bank of Portugal for the purpose of consumer protection and defense.<\/li>\n<\/ul>\n<p>The 2024 Behavioral Supervision Report placed special emphasis on credit intermediation, due to its exponential growth, which in 2024 resulted in 9436 authorized credit intermediaries at the end of the year, in which:<\/p>\n<ul>\n<li>86,8% are collective entities and 13.2% are individuals;<\/li>\n<li>99,9% act on behalf of financial institutions;<\/li>\n<li>The most prominent sectors are car sales and repairs (43,1%), real estate (21,5%) and retail trade (10,5%).<\/li>\n<\/ul>\n<p>Regarding the types of credit intermediation, in 2024 the intermediaries were distributed as follows:<\/p>\n<ul>\n<li>Tied \u2013 38,5%;<\/li>\n<li>Accessory title \u2013 61,4%;<\/li>\n<li>Non-tied \u2013 0,1%.<\/li>\n<\/ul>\n<p>It should be noted that Bank of Portugal found a clear predominance of consumer credit in the Credit Intermediation universe, with an estimated 63,6% operating exclusively in this segment. This growth is associated with the intensification of commercial activity in the automotive and retail sectors, as well as increased demand for financing solutions from consumers.<\/p>\n<p>In view of the clear growth in credit intermediation activity, the Bank of Portugal had already highlighted the urgent need to review the Legal Regime for Credit Intermediaries. Therefore, in its Behavioral Supervision Report, it considered a review to be essential and urgent, which should result in:<\/p>\n<ul>\n<li>Simplifying the process of registering and monitoring activity;<\/li>\n<li>Strengthening the technical capacity of credit intermediaries with a focus on legal compliance;<\/li>\n<li>Improving the transparency of their activities, providing consumers with greater clarity on costs, risks, and responsibilities;<\/li>\n<li>Optimizing supervision by the Bank of Portugal.<\/li>\n<\/ul>\n<p>It should also be noted that the Bank of Portugal proposes to standardize interpretations of the legal framework in force, as some discrepancies have been identified in the application of existing rules among different Credit Intermediaries. The aim is therefore to achieve the following in 2025:<\/p>\n<ul>\n<li>Transmission of clarifying understandings, ensuring fair conditions in the market;<\/li>\n<li>Promotion of good practices across all credit intermediaries;<\/li>\n<\/ul>\n<p>Finally, and most importantly, Bank of Portugal seeks the proper implementation of the new advertising regime that will enter into force on July 1<sup>st<\/sup>, 2025 (Notice No. 5\/2024). The implementation of Notice No. 5\/2024 is an operational and communication challenge for credit intermediaries, as they must:<\/p>\n<ul>\n<li>Review all their commercial communications;<\/li>\n<li>Ensure that commercial communications comply with the new criteria of legibility and clarity;<\/li>\n<li>Document and justify advertising approvals with the lending institutions<\/li>\n<\/ul>\n<p>Overall, the Bank of Portugal emphasizes the growing importance of credit intermediation in consumers&#8217; access to financial products, requiring, to that extent, greater attentive, preventive, and educational supervision.<\/p>\n<p>The year 2024 was marked by a strengthening of measures for credit intermediaries, namely through the standardization of information practices, interpretative clarifications, and preparation for the new advertising regime provided for in Notice No. 5\/2024.<\/p>\n<p>Nevertheless, significant challenges remain for 2025, including the need to review and modernize the Legal Framework for Credit Intermediaries, harmonize market practices, effectively implement the new advertising framework, and strengthen responsible conduct in the marketing of financial products.<\/p>\n<p>To this end, the future actions of Bank of Portugal will seek to combine rigorous supervision with close guidance to the sector, promoting a more transparent, inclusive, and balanced market for banking consumers.<\/p>\n<p>&nbsp;<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7df59a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"7df59a2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fbc1f72 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"fbc1f72\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7c309e elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"a7c309e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-8a49a92 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"8a49a92\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-d2a7d32 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"d2a7d32\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-302f288 sc_fly_static elementor-widget elementor-widget-image\" data-id=\"302f288\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/crs-advogados.com\/wp-content\/uploads\/2025\/04\/Raquel-Galinha-Roque.png\" class=\"attachment-large size-large wp-image-44913\" alt=\"\" srcset=\"https:\/\/crs-advogados.com\/wp-content\/uploads\/2025\/04\/Raquel-Galinha-Roque.png 150w, https:\/\/crs-advogados.com\/wp-content\/uploads\/2025\/04\/Raquel-Galinha-Roque-120x120.png 120w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-89a12a5 sc_fly_static elementor-widget elementor-widget-spacer\" data-id=\"89a12a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98665a7 sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"98665a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/crs-advogados.com\/en\/team\/raquel-galinha-roque\/\">Raquel Galinha Roque<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad30eb9 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"ad30eb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Partner<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-70d3c43 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"70d3c43\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-ac2cd37 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"ac2cd37\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-58e5707 sc_fly_static elementor-widget elementor-widget-image\" data-id=\"58e5707\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/crs-advogados.com\/wp-content\/uploads\/2025\/04\/Luisa-Esteves-da-Fonseca-1.png\" class=\"attachment-large size-large wp-image-44929\" alt=\"\" srcset=\"https:\/\/crs-advogados.com\/wp-content\/uploads\/2025\/04\/Luisa-Esteves-da-Fonseca-1.png 150w, https:\/\/crs-advogados.com\/wp-content\/uploads\/2025\/04\/Luisa-Esteves-da-Fonseca-1-120x120.png 120w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-04e4841 sc_fly_static elementor-widget elementor-widget-spacer\" data-id=\"04e4841\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f18a7aa sc_fly_static elementor-widget elementor-widget-heading\" data-id=\"f18a7aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/crs-advogados.com\/en\/team\/luisa-esteves-da-fonseca\/\">Lu\u00edsa Esteves Fonseca<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19c7b5a sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"19c7b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Lawyer<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-20 elementor-top-column elementor-element elementor-element-ab521b2 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"ab521b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e2b5110 sc_fly_static elementor-widget elementor-widget-html\" data-id=\"e2b5110\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>.post_featured {display: none;}<\/style>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e1eec72 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"e1eec72\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e1a44e4 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"e1a44e4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f2e3fe elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"9f2e3fe\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-adcb87d sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"adcb87d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f2e7482 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"f2e7482\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c124ef3 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"c124ef3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cc09f04 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"cc09f04\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-660a2f3 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"660a2f3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1d9b2f6 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"1d9b2f6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-de21a4d sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"de21a4d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a31066 elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"4a31066\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-79c2777 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"79c2777\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-043ad2a elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"043ad2a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f8c8d53 sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"f8c8d53\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c01b169 sc_fly_static elementor-widget elementor-widget-text-editor\" data-id=\"c01b169\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f431e8a elementor-section-boxed elementor-section-height-default elementor-section-height-default sc_fly_static\" data-id=\"f431e8a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a029f4a sc_inner_width_none sc_content_align_inherit sc_layouts_column_icons_position_left sc_fly_static\" data-id=\"a029f4a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>On April 9th, 2025, Bank of Portugal published the Behavioral Supervision Report. This report is&hellip;<\/p>\n","protected":false},"author":7,"featured_media":44998,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[330],"tags":[368,372],"class_list":["post-44996","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-luisa-esteves-da-fonseca-en","tag-raquel-galinha-roque-en"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2024 Behavioral Supervision Report \u2013 Overview and Challenges of Credit Intermediation Activity - CRS Advogados<\/title>\n<meta name=\"description\" content=\"CRS Advogados analyzes the 2024 Behavioral Supervision Report from Banco de Portugal, focusing on credit intermediation growth and regulatory challenges.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/crs-advogados.com\/en\/2024-behavioral-supervision-report-overview-and-challenges-of-credit-intermediation-activity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Analysis of the Behavioral Report of the Bank of Portugal - Credit Intermediation\" \/>\n<meta property=\"og:description\" content=\"On April 9, 2025, the Behavioral Supervision Report was published by the Bank of Portugal. 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