{"id":40129,"date":"2024-10-14T12:18:17","date_gmt":"2024-10-14T09:18:17","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=40129"},"modified":"2026-03-13T18:27:46","modified_gmt":"2026-03-13T16:27:46","slug":"senats-analize-kreditdeveju-precu-zimju-reklamu-robezas","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/","title":{"rendered":"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas"},"content":{"rendered":"<p><strong>Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\/2024.<\/strong><\/p>\n<p>Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.<\/p>\n<p><strong>Pre\u010du z\u012bmes rekl\u0101mas kredit\u0113\u0161anas jom\u0101<\/strong><\/p>\n<p>Pre\u010du z\u012bme ir apz\u012bm\u0113jums, kuru lieto, lai k\u0101das personas preces vai pakalpojumus at\u0161\u0137irtu no citu personu prec\u0113m vai pakalpojumiem. Tom\u0113r t\u0101 var kalpot ar\u012b k\u0101 labs m\u0101rketinga instruments, ar kura pal\u012bdz\u012bbu iesp\u0113jams veicin\u0101t savu pre\u010du vai pakalpojumu atpaz\u012bstam\u012bbu. Galven\u0101s pras\u012bbas kredit\u0113\u0161anas pakalpojumu rekl\u0101m\u0101m ir uzskait\u012btas PTAL.<\/p>\n<p>Saska\u0146\u0101 ar PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309-pateretaju-tiesibu-aizsardzibas-likums#p8_3\" target=\"_blank\" rel=\"noopener\">8.<sup>3<\/sup>panta<\/a>\u00a01.da\u013cu reklam\u0113t kredit\u0113\u0161anas pakalpojumus visp\u0101r\u012bgi ir aizliegts, iz\u0146emot gad\u012bjumus, ja past\u0101v k\u0101ds no se\u0161iem priek\u0161noteikumiem:<\/p>\n<ul class=\"chevronCircle\">\n<li>to \u012bsteno kred\u012bta dev\u0113js vai kred\u012bta starpnieks telp\u0101s, kur\u0101s tas veic saimniecisko darb\u012bbu;<\/li>\n<li>to \u012bsteno kred\u012bta dev\u0113ja vai kred\u012bta starpnieka m\u0101jaslap\u0101 internet\u0101 vai tie\u0161saistes sist\u0113m\u0101, kuru p\u0113c autentifik\u0101cijas veik\u0161anas kred\u012bta dev\u0113js izmanto pakalpojumu sa\u0146em\u0161anai;<\/li>\n<li>to \u012bsteno kred\u012bta dev\u0113ja vai kred\u012bta starpnieka mobilaj\u0101 lietotn\u0113, kuru p\u0113c autentifik\u0101cijas veik\u0161anas pat\u0113r\u0113t\u0101js izmanto kred\u012bta dev\u0113ja pakalpojumu sa\u0146em\u0161anai;<\/li>\n<li>to \u012bsteno, personiski uzrun\u0101jot iesp\u0113jamo klientu kl\u0101tien\u0113 vai telefoniski, ja pat\u0113r\u0113t\u0101js tam piekr\u012bt;<\/li>\n<li>to \u012bsteno pasta vai elektroniskos s\u016bt\u012bjumos pat\u0113r\u0113t\u0101jam, ja pat\u0113r\u0113t\u0101js nep\u0101rprotami iepriek\u0161 piekritis tos sa\u0146emt;<\/li>\n<li>ar kredit\u0113\u0161anu nesaist\u012btas preces, pakalpojuma, digit\u0101l\u0101 satura vai digit\u0101l\u0101 pakalpojuma rekl\u0101m\u0101, iz\u0146emot rekl\u0101mu telev\u012bzij\u0101 vai radio, persona, kas nav kred\u012bta dev\u0113js vai kred\u012bta starpnieks, sniedz inform\u0101ciju par iesp\u0113ju apmaksu finans\u0113t ar kredit\u0113\u0161anas l\u012bguma starpniec\u012bbu.<\/li>\n<\/ul>\n<p>Savuk\u0101rt min\u0113t\u0101 panta 2.da\u013ca paredz, ka\u00a0<em>kredit\u0113\u0161anas pakalpojumu reklam\u0113\u0161anas aizliegums<\/em>\u00a0<em>neattiecas uz kred\u012bta dev\u0113ja un kred\u012bta starpnieka pre\u010du z\u012bmes rekl\u0101mu<\/em>.<\/p>\n<p>L\u012bdz ar to praks\u0113 \u013coti b\u016btiski ir visp\u0101r\u0113jas kredit\u0113\u0161anas rekl\u0101mas no\u0161\u0137irt no pre\u010du z\u012bmes rekl\u0101m\u0101m \u2013 ja izplat\u012bt\u0101 rekl\u0101ma tiek atz\u012bta par pre\u010du z\u012bmes rekl\u0101mu, tad uz to neattiecas ne visp\u0101r\u012bgais aizliegums, ne ar\u012b k\u0101ds no se\u0161iem priek\u0161noteikuma gad\u012bjumiem.<\/p>\n<p>Papildus gan j\u0101min, ka pre\u010du z\u012bmes rekl\u0101mas kredit\u0113\u0161anas jom\u0101 tom\u0113r ir aizliegtas radio vai telev\u012bzij\u0101 p\u0113c sabiedriska pas\u016bt\u012bjuma \u012bstenotos projektos, kas finans\u0113ti no valsts vai pa\u0161vald\u012bbas bud\u017eeta l\u012bdzek\u013ciem.<\/p>\n<p><strong>Lietas b\u016bt\u012bba<\/strong><\/p>\n<p>Ar Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra (PTAC) l\u0113mumu uz\u0146\u0113mumam SIA \u201cONDO\u201d (kredit\u0113\u0161anas pakalpojumu sniedz\u0113jam) tika piem\u0113rota soda nauda un aizliegta neatbilsto\u0161as rekl\u0101mas izplat\u012b\u0161ana.<\/p>\n<p>Liet\u0101 izveidoj\u0101s str\u012bds par to, vai izplat\u012bt\u0101 rekl\u0101ma ir vai nav ar pre\u010du z\u012bmes raksturu. Proti, PTAC nor\u0101d\u012bja, ka uz\u0146\u0113muma telev\u012bzij\u0101, soci\u0101lajos t\u012bklos un interneta vid\u0113 izplat\u012bt\u0101s rekl\u0101mas ir v\u0113rt\u0113jamas k\u0101 vienk\u0101r\u0161as pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas pakalpojuma rekl\u0101mas un uz t\u0101m ir attiecin\u0101ms PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309-pateretaju-tiesibu-aizsardzibas-likums#p8_3\" target=\"_blank\" rel=\"noopener\">8.<sup>3<\/sup>panta\u00a0<\/a>1.da\u013c\u0101 noteiktais ierobe\u017eojums. Turpret\u012b uz\u0146\u0113mums savus iebildumus argument\u0113ja ar faktu, ka izplat\u012bjis vien\u012bgi pre\u010du z\u012bmes rekl\u0101mas, un pauda, ka t\u0101p\u0113c PTAC piem\u0113rot\u0101s sankcijas neesot pamatotas. Rezult\u0101t\u0101 uz\u0146\u0113mums v\u0113rs\u0101s ties\u0101 ar pieteikumu par PTAC pie\u0146emt\u0101 l\u0113muma apstr\u012bd\u0113\u0161anu.<\/p>\n<p>Gan rajona, gan apel\u0101cijas instances tiesa pieteikumus noraid\u012bja, turkl\u0101t k\u0101 galveno argumentu nor\u0101d\u012bja tie\u0161i PTAL iek\u013caut\u0101 kredit\u0113\u0161anas pakalpojumu rekl\u0101mas ierobe\u017eojuma m\u0113r\u0137i \u2013 mazin\u0101t pat\u0113r\u0113t\u0101ju vieglpr\u0101t\u012bgu aiz\u0146em\u0161anos. Tika nor\u0101d\u012bts ar\u012b tas, ka ar pre\u010du z\u012bmes rekl\u0101mu ir saprotama rekl\u0101ma, kur\u0101 populariz\u0113ts kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju identific\u0113jo\u0161s nosaukums, bet kur\u0101 vienlaikus nav ietverts aicin\u0101jums izmantot t\u0101 pakalpojumus. Turkl\u0101t v\u0113rt\u0113jums, vai \u0161\u0101ds aicin\u0101jums rekl\u0101m\u0101 ir ietverts, nevar b\u016bt form\u0101ls, proti, j\u0101v\u0113rt\u0113 ne tikai tas, vai aicin\u0101jums ir izteikts tie\u0161i, bet ar\u012b tas, vai tas ir uztverams kopum\u0101, \u0146emot v\u0113r\u0101 visus rekl\u0101mas izplat\u012b\u0161anas aspektus.<\/p>\n<p>Papildus apgabaltiesa sav\u0101 spriedum\u0101 atzina, ka rekl\u0101mas, kur\u0101s pakalpojumu sniedz\u0113js ne tikai populariz\u0113 savu pre\u010du z\u012bmi, bet ar\u012b pat\u0113r\u0113t\u0101jam uztveram\u0101 veid\u0101 sniedz v\u0113st\u012bjumu par kredit\u0113\u0161anas pakalpojumu pieejam\u012bbu un piem\u0113rot\u012bbu ikdieni\u0161\u0137u situ\u0101ciju risin\u0101\u0161anai, nav v\u0113rt\u0113jamas k\u0101 pre\u010du z\u012bmes rekl\u0101mas.<\/p>\n<p>B\u016btiski visp\u0101r\u0113jas kredit\u0113\u0161anas rekl\u0101mas no\u0161\u0137irt no pre\u010du z\u012bmes rekl\u0101m\u0101m \u2013 ja izplat\u012bt\u0101 rekl\u0101ma tiek atz\u012bta par pre\u010du z\u012bmes rekl\u0101mu, tad uz to neattiecas ne visp\u0101r\u012bgais aizliegums, ne priek\u0161noteikumi.<\/p>\n<p><strong>Sen\u0101ta atzi\u0146as<\/strong><\/p>\n<p>Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts apgabaltiesas spriedum\u0101 k\u013c\u016bdas nesaskat\u012bja un sniedza vair\u0101kas atzi\u0146as.<\/p>\n<p><strong>Pre\u010du z\u012bmes rekl\u0101mas saturs ir sa\u0161aurin\u0101ms<\/strong><\/p>\n<p>Pirmk\u0101rt, Sen\u0101ts piel\u012bdzin\u0101ja pre\u010du z\u012bmes rekl\u0101mu visp\u0101r\u0113jai kredit\u0113\u0161anas pakalpojumu snidz\u0113ju rekl\u0101mai. Glu\u017ei k\u0101 jebkurai citai rekl\u0101mai, ab\u0101m rekl\u0101m\u0101m ir konkr\u0113ts m\u0113r\u0137is \u2013 populariz\u0113t attiec\u012bgos pakalpojumus vai veicin\u0101t piepras\u012bjumu p\u0113c tiem. L\u012bdz ar to kredit\u0113\u0161anas pakalpojumu sniedz\u0113ja pre\u010du z\u012bmes rekl\u0101mu nav iesp\u0113jams no\u0161\u0137irt no visp\u0101r\u0113j\u0101s kredit\u0113\u0161anas pakalpojumu rekl\u0101mas.<\/p>\n<p>Tom\u0113r, lai PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309-pateretaju-tiesibu-aizsardzibas-likums#p8_3\" target=\"_blank\" rel=\"noopener\">8.<sup>3<\/sup>pant\u0101<\/a>\u00a0paredz\u0113tajiem rekl\u0101mas ierobe\u017eojumiem b\u016btu lietder\u012bga iedarb\u012bba un tie sasniegtu savu m\u0113r\u0137i, pre\u010du z\u012bmes rekl\u0101mas saturs ir sa\u0161aurin\u0101ms. Lai rekl\u0101mu var\u0113tu atz\u012bt par pre\u010du z\u012bmes rekl\u0101mu piem\u0113rojamo ties\u012bbu normu izpratn\u0113, t\u0101s saturam ir j\u0101aprobe\u017eojas vien\u012bgi ar pa\u0161as pre\u010du z\u012bmes atpaz\u012bstam\u012bbas veicin\u0101\u0161anu. Praktiski rekl\u0101mas saturs nedr\u012bkst ietvert tie\u0161us vai netie\u0161us jebk\u0101d\u0101 form\u0101 izteiktus pat\u0113r\u0113t\u0101jiem uztveramus aicin\u0101jumus vai m\u0101jienus izmantot kredit\u0113\u0161anas pakalpojumus, bet ir svar\u012bgi izv\u0113rt\u0113t katra konkr\u0113ta gad\u012bjuma apst\u0101k\u013cus.<\/p>\n<p><strong>Aizliegtas pre\u010du z\u012bmes rekl\u0101mas, kuras aicina izmantot kredit\u0113\u0161anas pakalpojumus<\/strong><\/p>\n<p>Sen\u0101ts nor\u0101d\u012bja \u2013 aizliegta ir tikai t\u0101da pre\u010du z\u012bmes rekl\u0101ma, kas pat\u0113r\u0113t\u0101jiem uztveram\u0101 veid\u0101 aicina izmantot kredit\u0113\u0161anas pakalpojumus. T\u0101d\u0113j\u0101di Sen\u0101ts atteic\u0101s piekrist uz\u0146\u0113muma argumentam, ka, p\u0101rlieku sa\u0161aurinot pre\u010du z\u012bmes rekl\u0101mas j\u0113dzienu, faktiski tiktu aizliegta jebk\u0101da kredit\u0113\u0161anas pakalpojuma sniedz\u0113ja rekl\u0101ma. Proti, lai gan tas iev\u0113rojami sa\u0161aurina at\u013cauto rekl\u0101mas saturu, tas nenoz\u012bm\u0113, ka princip\u0101 nevar tikt izplat\u012btas nek\u0101das kredit\u0113\u0161anas pakalpojumu sniedz\u0113ju pre\u010du z\u012bmes rekl\u0101mas, piem\u0113ram, izvietojot reklam\u0113\u0161anas platform\u0101s vai interneta vid\u0113 z\u012bmola veidojo\u0161os elementus, organiz\u0113jot vai sponsor\u0113jot pas\u0101kumus, kuros tiek reprezent\u0113ts pakalpojumu sniedz\u0113ja z\u012bmols, k\u0101 ar\u012b citos veidos, veicinot tie\u0161i pa\u0161a z\u012bmola atpaz\u012bstam\u012bbu.<\/p>\n<p>Tre\u0161k\u0101rt, spriedum\u0101 Sen\u0101ts ar\u012b atzina, ka nav noz\u012bmes, vai rekl\u0101m\u0101 izmantot\u0101 pre\u010du z\u012bme ir vai nav re\u0123istr\u0113ta. Ar\u012b pre\u010du z\u012bmes, kas ietver v\u0101rdisk\u0101s da\u013cas, k\u0101, piem\u0113ram, izskat\u0101maj\u0101 liet\u0101 fr\u0101zes \u201cOndo.lv draudz\u012bgs aizdev\u0113js\u201d, iek\u013cau\u0161ana rekl\u0101m\u0101 var tikt atz\u012bta par pret\u0113ju PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309-pateretaju-tiesibu-aizsardzibas-likums#p8_3\" target=\"_blank\" rel=\"noopener\">8.<sup>3<\/sup>pant\u0101<\/a>\u00a0paredz\u0113tajiem noteikumiem. Pat tad, ja rekl\u0101ma tik tie\u0161\u0101m atbilst j\u0113dzienam \u201cpre\u010du z\u012bmes rekl\u0101ma\u201d un satura zi\u0146\u0101 ir saist\u012bta ar komersanta re\u0123istr\u0113tu pre\u010du z\u012bmi, t\u0101pat ir j\u0101v\u0113rt\u0113, vai \u0161aj\u0101 rekl\u0101m\u0101 vienlaikus nav tie\u0161u vai netie\u0161u aicin\u0101jumu aiz\u0146emties.<\/p>\n<p>J\u0101min, ka liet\u0101 figur\u0113ja ar\u012b uz\u0146\u0113muma iebildumi par PTAC noteikt\u0101 naudas soda apm\u0113ru. Uz\u0146\u0113mums nor\u0101d\u012bja, ka PTAC savu l\u0113mumu pamatoja ar iek\u0161\u0113jo normat\u012bvo aktu \u2013 PTAC izstr\u0101d\u0101t\u0101m vadl\u012bnij\u0101m, kas nosaka piem\u0113rojamo sankciju izv\u0113rt\u0113\u0161anu p\u0101rk\u0101puma gad\u012bjum\u0101. T\u0101 k\u0101 \u0161\u012bs vadl\u012bnijas nebija publiski pieejamas, uz\u0146\u0113mums nevar\u0113ja p\u0101rliecin\u0101ties par l\u0113mum\u0101 noteikt\u0101 soda apm\u0113ra tiesiskumu. Sen\u0101ts ar\u012b \u0161aj\u0101 aspekt\u0101 pievienoj\u0101s apgabaltiesas sniegtajiem secin\u0101jumiem, ka soda apm\u0113rs tika noteikts atbilsto\u0161i Rekl\u0101mas likuma\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/163-reklamas-likums#p20\" target=\"_blank\" rel=\"noopener\">20.panta<\/a>\u00a01.\u2013 2.da\u013cai un ka PTAC vadl\u012bnijas kalpo k\u0101 pal\u012bgavots, lai piem\u0113rotu atbilsto\u0161\u0101ko sankciju veidu un apm\u0113ru saska\u0146\u0101 ar likum\u0101 noteiktajiem soda krit\u0113rijiem.<\/p>\n<p><strong>K\u0101 izvair\u012bties no rekl\u0101mas p\u0101rk\u0101puma praks\u0113?<\/strong><\/p>\n<p>Liet\u0101 ir iesp\u0113jams saskat\u012bt ar\u012b praktiskas iez\u012bmes, k\u0101 pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas pakalpojumu sniedz\u0113jiem vajadz\u0113tu izplat\u012bt rekl\u0101mas, lai t\u0101s atbilstu PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309-pateretaju-tiesibu-aizsardzibas-likums#p8_3\" target=\"_blank\" rel=\"noopener\">8.<sup>3<\/sup>panta\u00a0<\/a>2.da\u013cai. Rodas likumsakar\u012bgs jaut\u0101jums, k\u0101 tad \u012bsti b\u016btu j\u0101saprot aicin\u0101jums izmantot kredit\u0113\u0161anas pakalpojumus \u201cuztveram\u0101 veid\u0101\u201d. T\u0101tad \u2013 \u0161im aicin\u0101jumam nav j\u0101b\u016bt tie\u0161am. Rekl\u0101ma vairs neb\u016bs atz\u012bstama par pre\u010du z\u012bmes rekl\u0101mu, ja taj\u0101, piem\u0113ram, tiks att\u0113lota situ\u0101cija, kur\u0101 persona iek\u013c\u016bst auto av\u0101rij\u0101 un saboj\u0101 automa\u0161\u012bnu vai v\u0113las labot savu boj\u0101to ledusskapi, un papildus iek\u013cauts pazi\u0146ojums, ka \u201cj\u0101\u0146em talk\u0101\u201d konkr\u0113tais kredit\u0113\u0161anas pakalpojuma sniedz\u0113js. V\u0113l jo vair\u0101k \u2013 b\u016bs konstat\u0113jams p\u0101rk\u0101pums ar\u012b tad, ja sav\u0101 interneta vietn\u0113 pakalpojuma sniedz\u0113js vien\u0101 no sada\u013c\u0101m b\u016bs iek\u013c\u0101vis vien\u012bgi savu z\u012bmolu vai firmas v\u0101rdu, bet cit\u0101 sada\u013c\u0101 iek\u013c\u0101vis saukli vai paudis aicin\u0101jumu sa\u0146emt kredit\u0113\u0161anas pakalpojumus. J\u0101nov\u0113rt\u0113, vai pat\u0113r\u0113t\u0101js kopum\u0101, apl\u016bkojot visu interneta vietni, var\u0113s ieraudz\u012bt gan kreditora z\u012bmolu vai firmu, gan ar\u012b pa\u0161u saukli vai aicin\u0101jumu.<\/p>\n<p>Papildus PTAC ar\u012b nor\u0101d\u012bjis, ka pre\u010du z\u012bme nedr\u012bkst satur\u0113t skaitlisko inform\u0101ciju vai sauk\u013cus, kas raksturo pied\u0101v\u0101jumu, piem\u0113ram, \u201cNauda kont\u0101 10 min\u016b\u0161u laik\u0101\u00a0|\u00a0Kred\u012bts\u00a0|\u00a0\u0100trais kred\u012bts internet\u0101\u201d, zem\u0101k nor\u0101dot kred\u012bta dev\u0113ja interneta vietnes adresi. Tom\u0113r ir at\u013cauts izvietot pre\u010du z\u012bmi rekl\u0101mkarogos (banneros) interneta m\u0101jaslap\u0101s, kas t\u0101l\u0101k pat\u0113r\u0113t\u0101jus aizved uz kred\u012btdev\u0113ja m\u0101jaslapu.<\/p>\n<p>Publik\u0101cija: <a href=\"https:\/\/itiesibas.lv\/raksti\/tiesvedibas\/tiesvedibas\/bizness-senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/29950\" target=\"_blank\" rel=\"noopener\">itiesibas.lv<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das..<\/p>\n","protected":false},"author":10,"featured_media":40130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"country":[96],"class_list":["post-40129","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas | COBALT<\/title>\n<meta name=\"description\" content=\"Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\/2024.Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/\" \/>\n<meta property=\"og:locale\" content=\"lv_LV\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas | COBALT\" \/>\n<meta property=\"og:description\" content=\"Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\/2024.Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/\" \/>\n<meta property=\"og:site_name\" content=\"COBALT\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CobaltLegal\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-14T09:18:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-13T16:27:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2024\/10\/ricardo-l-2bcehntw324-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"L\u012bva Dumpe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"L\u012bva Dumpe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/\"},\"author\":{\"name\":\"L\u012bva Dumpe\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/person\\\/6bbab99ed584e23881516eaa77c49aa3\"},\"headline\":\"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas\",\"datePublished\":\"2024-10-14T09:18:17+00:00\",\"dateModified\":\"2026-03-13T16:27:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/\"},\"wordCount\":1979,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/ricardo-l-2bcehntw324-unsplash.jpg\",\"articleSection\":[\"Uncategorized @lv\"],\"inLanguage\":\"lv-LV\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/\",\"name\":\"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas | COBALT\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/ricardo-l-2bcehntw324-unsplash.jpg\",\"datePublished\":\"2024-10-14T09:18:17+00:00\",\"dateModified\":\"2026-03-13T16:27:46+00:00\",\"description\":\"Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\\\/2024.Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#breadcrumb\"},\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/ricardo-l-2bcehntw324-unsplash.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/ricardo-l-2bcehntw324-unsplash.jpg\",\"width\":2560,\"height\":1707},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#website\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/\",\"name\":\"COBALT\",\"description\":\"Top-tier law services in Estonia, Latvia and Lithuania\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lv-LV\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\",\"name\":\"COBALT\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"width\":400,\"height\":116,\"caption\":\"COBALT\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CobaltLegal\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/person\\\/6bbab99ed584e23881516eaa77c49aa3\",\"name\":\"L\u012bva Dumpe\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/author\\\/liva\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas | COBALT","description":"Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\/2024.Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/","og_locale":"lv_LV","og_type":"article","og_title":"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas | COBALT","og_description":"Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\/2024.Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.","og_url":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/","og_site_name":"COBALT","article_publisher":"https:\/\/www.facebook.com\/CobaltLegal\/","article_published_time":"2024-10-14T09:18:17+00:00","article_modified_time":"2026-03-13T16:27:46+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2024\/10\/ricardo-l-2bcehntw324-unsplash.jpg","type":"image\/jpeg"}],"author":"L\u012bva Dumpe","twitter_card":"summary_large_image","twitter_misc":{"Written by":"L\u012bva Dumpe","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#article","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/"},"author":{"name":"L\u012bva Dumpe","@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/person\/6bbab99ed584e23881516eaa77c49aa3"},"headline":"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas","datePublished":"2024-10-14T09:18:17+00:00","dateModified":"2026-03-13T16:27:46+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/"},"wordCount":1979,"publisher":{"@id":"https:\/\/www.cobalt.legal\/lv\/#organization"},"image":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2024\/10\/ricardo-l-2bcehntw324-unsplash.jpg","articleSection":["Uncategorized @lv"],"inLanguage":"lv-LV"},{"@type":"WebPage","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/","url":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/","name":"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas | COBALT","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lv\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#primaryimage"},"image":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2024\/10\/ricardo-l-2bcehntw324-unsplash.jpg","datePublished":"2024-10-14T09:18:17+00:00","dateModified":"2026-03-13T16:27:46+00:00","description":"Pat\u0113r\u0113t\u0101ju jeb nebanku kredit\u0113\u0161anas tirgus (l\u012bzinga pakalpojumi, \u201c\u0101trie kred\u012bti\u201d u.c.) turpina att\u012bst\u012bties, tom\u0113r ar p\u0113rn veiktajiem groz\u012bjumiem, kas tie\u0161\u0101 veid\u0101 ietekm\u0113ja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas un krasi ierobe\u017eoja komersantu darb\u012bbu, \u0161\u0101das rekl\u0101mas ikdien\u0101 ir sastopamas aizvien ret\u0101k. Jaut\u0101jumam par to, k\u0101das rekl\u0101mas ir likum\u012bgas, padzi\u013cin\u0101ti ir piev\u0113rsies ar\u012b Sen\u0101ts \u2013 t\u0101p\u0113c apskat\u0101m Sen\u0101ta 2024.gada 5.j\u016blija spriedumu liet\u0101 SKA-84\/2024.Konkr\u0113taj\u0101 liet\u0101 Sen\u0101ts noraid\u012bja akciju sabiedr\u012bbas \u201c4finance\u201d (pirms reorganiz\u0101cijas \u2013 sabiedr\u012bba ar ierobe\u017eotu atbild\u012bbu (SIA) \u201cONDO\u201d) kas\u0101cijas s\u016bdz\u012bbu, izv\u0113rt\u0113jot Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likum\u0101 (PTAL) noteiktos ierobe\u017eojumus pre\u010du z\u012bmes jeb z\u012bmolv\u0101rda rekl\u0101m\u0101m pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas jom\u0101. Spriedums ne tikai papildina rekl\u0101mas vadl\u012bnijas kred\u012btpakalpojumu sniedz\u0113jiem, bet ar\u012b apstiprina likumdev\u0113ja v\u0113lmi \u2013 iesp\u0113jami mazin\u0101t vieglpr\u0101t\u012bgus \u0101tro kred\u012btu aiz\u0146em\u0161an\u0101s paradumus.","breadcrumb":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#breadcrumb"},"inLanguage":"lv-LV","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/"]}]},{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#primaryimage","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2024\/10\/ricardo-l-2bcehntw324-unsplash.jpg","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2024\/10\/ricardo-l-2bcehntw324-unsplash.jpg","width":2560,"height":1707},{"@type":"BreadcrumbList","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/senats-analize-kreditdeveju-precu-zimju-reklamu-robezas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cobalt.legal\/lv\/"},{"@type":"ListItem","position":2,"name":"Sen\u0101ts analiz\u0113 kred\u012btdev\u0113ju pre\u010du z\u012bmju rekl\u0101mu robe\u017eas"}]},{"@type":"WebSite","@id":"https:\/\/www.cobalt.legal\/lv\/#website","url":"https:\/\/www.cobalt.legal\/lv\/","name":"COBALT","description":"Top-tier law services in Estonia, Latvia and Lithuania","publisher":{"@id":"https:\/\/www.cobalt.legal\/lv\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cobalt.legal\/lv\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lv-LV"},{"@type":"Organization","@id":"https:\/\/www.cobalt.legal\/lv\/#organization","name":"COBALT","url":"https:\/\/www.cobalt.legal\/lv\/","logo":{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/logo\/image\/","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","width":400,"height":116,"caption":"COBALT"},"image":{"@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CobaltLegal\/"]},{"@type":"Person","@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/person\/6bbab99ed584e23881516eaa77c49aa3","name":"L\u012bva Dumpe","url":"https:\/\/www.cobalt.legal\/lv\/author\/liva\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts\/40129","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/comments?post=40129"}],"version-history":[{"count":3,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts\/40129\/revisions"}],"predecessor-version":[{"id":53378,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts\/40129\/revisions\/53378"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/media\/40130"}],"wp:attachment":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/media?parent=40129"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/categories?post=40129"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/country?post=40129"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}