The Act Amending the Consumer Protection Act (Zakon o izmjenama i dopunama Zakona o zaštiti potrošača), published in Narodne novine 59/2026, makes Article 7 applicable in Croatia on November 17, 2026 for distance contracts, including financial services. Traders concluding distance contracts with consumers in Croatia, including financial services, must offer a means to withdraw from a distance contract within 14 days using the same medium used to conclude it, by November 17, 2026, or they breach the Consumer Protection Act and face DIRH enforcement with trader penalties from EUR 1,500 to EUR 25,000 depending on the infringement.
The dated obligation is the one-click withdrawal, the dossier's "cancel button": the same medium that concluded the contract must carry the withdrawal. The Hrvatski sabor adopted the act on May 29, 2026, President Zoran Milanović promulgated it on June 1, 2026, and Narodne novine 59/2026 published it on June 9, 2026. General entry into force was June 17, 2026. Green-claims Articles 16 to 18 and 26 to 27 apply from September 27, 2026.
- Deadline : November 17, 2026, the day Article 7 applies to distance contracts, including financial services
- Who : traders concluding distance contracts with consumers in Croatia, including financial services
- What : offer a means to withdraw from a distance contract within 14 days using the same medium used to conclude it
- Otherwise : breach of the Consumer Protection Act, DIRH enforcement, trader penalties from EUR 1,500 to EUR 25,000 depending on the infringement
- Official source : Narodne novine 59/2026
What applies on November 17, 2026
On November 17, 2026 traders must offer a means to withdraw from a distance contract within 14 days using the same medium used to conclude it, including distance contracts for financial services. That is the only obligation the dossier dates to November 17, 2026, under the watched event "Article 7 applies (distance contracts for financial services)".
Other dates in the dossier are not this deadline.
| Step | Date |
|---|---|
| Adopted by the Hrvatski sabor | May 29, 2026 |
| Promulgated by President Zoran Milanović | June 1, 2026 |
| Published in Narodne novine 59/2026 | June 9, 2026 |
| General entry into force | June 17, 2026 |
| Green-claims Articles 16 to 18 and 26 to 27 apply | September 27, 2026 |
| Article 7 applies (distance contracts, including financial services) | November 17, 2026 |
Who is covered
Traders who conclude distance contracts with consumers in Croatia are covered, and the dossier includes financial services in that group. The ministry responsible for consumer protection is the agency named on the watched event. A trader outside distance selling is outside this November 17, 2026 line.
The exposed market is the Croatian consumer. The dossier states no turnover threshold and no exemption for this withdrawal duty.
What to do before November 17, 2026
- Build a withdrawal function on the same medium used to conclude the distance contract (the site, the app, or the other channel that closed the sale).
- Keep that function available for a withdrawal made within 14 days of conclusion, the period the dossier states.
- Apply the same function to distance contracts for financial services, which the watched event places under Article 7.
- Brief the team that writes consumer contracts for the Croatian market so the function is live on November 17, 2026.
What happens otherwise
A trader that does not offer that withdrawal means is in breach of the Consumer Protection Act. The State Inspectorate (Državni inspektorat, DIRH) enforces the act. The dossier states trader penalties from EUR 1,500 to EUR 25,000 depending on the infringement, and no separate figure for Article 7 alone.
Obsidian monitoring follows the gazette date for this application so a compliance lead sees the November 17, 2026 line when the record carries it.
