{"id":56957,"date":"2026-09-07T09:57:53","date_gmt":"2026-09-07T06:57:53","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=56957"},"modified":"2026-09-07T09:57:53","modified_gmt":"2026-09-07T06:57:53","slug":"jaunas-prasibas-reklamejot-preci-uz-nomaksu","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/jaunas-prasibas-reklamejot-preci-uz-nomaksu\/","title":{"rendered":"Jaunas pras\u012bbas, reklam\u0113jot preci uz nomaksu"},"content":{"rendered":"<p><strong>2026.gada 19.august\u0101 st\u0101j\u0101s sp\u0113k\u0101 Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma groz\u012bjumi, ar kuriem atcelts pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas aizliegums un t\u0101 viet\u0101 noteiktas saturiskas pras\u012bbas rekl\u0101mai. Groz\u012bjumi attiecas ne tikai uz kred\u012bta dev\u0113jiem, bet ar\u012b uz uz\u0146\u0113mumiem, kas preces p\u0101rdod uz nomaksu.<\/strong><\/p>\n<h4><span style=\"color: #9fffec;\"><strong>K\u0101p\u0113c aizliegums atcelts<\/strong><\/span><\/h4>\n<p>2018.gad\u0101 Saeima ierobe\u017eoja pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mu, rea\u0123\u0113jot uz bezatbild\u012bgas aiz\u0146em\u0161an\u0101s riskiem. Aizliegums st\u0101j\u0101s sp\u0113k\u0101 2019.gada 1.j\u016blij\u0101 un paredz\u0113ja, ka kredit\u0113\u0161anas pakalpojumus var reklam\u0113t tikai ierobe\u017eoti \u2013 kred\u012bta dev\u0113ja telp\u0101s, m\u0101jaslap\u0101 vai mobilaj\u0101 lietotn\u0113 p\u0113c autentifik\u0101cijas, personiski uzrun\u0101jot klientu, vai s\u016bt\u012bjumos, kuru sa\u0146em\u0161anai pat\u0113r\u0113t\u0101js iepriek\u0161 piekritis. Cita veida rekl\u0101ma bija aizliegta.<\/p>\n<p>Kop\u0161 2018.gada tirgus ir main\u012bjies. Tirgus dal\u012bbnieku skaits ir samazin\u0101jies par tre\u0161da\u013cu, bet kred\u012btportfe\u013ca kvalit\u0101te ir uzlabojusies \u2013 p\u0113c Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas centra datiem 2023.gada izska\u0146\u0101 kred\u012btu bez kav\u0113juma \u012bpatsvars bija 90,95%. \u0145emot v\u0113r\u0101 min\u0113to, likumdev\u0113js secin\u0101ja, ka tik pla\u0161s aizliegums vairs nav sam\u0113r\u012bgs. Tas ierobe\u017eoja konkurenci, jo bija izdev\u012bgs kred\u012bta dev\u0113jiem, kuri savas poz\u012bcijas tirg\u016b jau nostiprin\u0101ju\u0161i, un apgr\u016btin\u0101ja jaunu dal\u012bbnieku ien\u0101k\u0161anu tirg\u016b. Vienlaikus var\u0113ja nov\u0113rot m\u0113\u0123in\u0101jumus apiet aizliegumu, piem\u0113ram, pievienojot rekl\u0101mai nor\u0101di, ka t\u0101 paredz\u0113ta saimniecisk\u0101s darb\u012bbas veic\u0113jiem.<\/p>\n<p>Otrs iemesls aizlieguma atcel\u0161anai mekl\u0113jams Eiropas Savien\u012bbas (ES) ties\u012bb\u0101s. 2023.gada 18.oktobr\u012b ES l\u012bmen\u012b tika pie\u0146emta\u00a0<a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/LV\/TXT\/?uri=CELEX%3A02023L2225-20231030\" target=\"_blank\" rel=\"noopener\">direkt\u012bva 2023\/2225\u00a0<\/a>par pat\u0113r\u0113t\u0101ju kred\u012btl\u012bgumiem, kas piem\u0113rojama no 2026.gada 20.novembra un nosaka ar\u012b pras\u012bbas pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mai. T\u0101 k\u0101 \u0161\u012bs pras\u012bbas bija j\u0101p\u0101r\u0146em nacion\u0101laj\u0101 regul\u0113jum\u0101, Ekonomikas ministrija sagatavoja\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309\" target=\"_blank\" rel=\"noopener\">Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma<\/a>\u00a0(PTAL) groz\u012bjumus.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Ko paredz jaunais regul\u0113jums<\/strong><\/span><\/h4>\n<p>Jaun\u0101 regul\u0113juma m\u0113r\u0137is vairs nav ierobe\u017eot rekl\u0101mas izplat\u012b\u0161anas vietu, bet gan t\u0101s saturu. PTAL vairs nenosaka pie\u013caujam\u0101s rekl\u0101mas izvieto\u0161anas vietas, bet nosaka to, ko rekl\u0101m\u0101 dr\u012bkst un ko nedr\u012bkst ietvert, k\u0101da inform\u0101cija oblig\u0101ti j\u0101nor\u0101da un k\u0101 t\u0101 noform\u0113jama. Da\u013ca pras\u012bbu ir p\u0101rceltas no\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/285975\" target=\"_blank\" rel=\"noopener\">Ministru kabineta noteikumiem Nr.691<\/a>\u00a0\u201cNoteikumi par pat\u0113r\u0113t\u0101ja kredit\u0113\u0161anu\u201d, lai kredit\u0113\u0161anas rekl\u0101mas regul\u0113jumu apkopotu vien\u0101 ties\u012bbu akt\u0101.<\/p>\n<p>Apkopojot jaun\u0101 regul\u0113juma kodolu, var izcelt piecus elementus:<\/p>\n<ul>\n<li>rekl\u0101ma nedr\u012bkst b\u016bt maldino\u0161a vai rad\u012bt nepamatotas cer\u012bbas par kred\u012bta pieejam\u012bbu un izmaks\u0101m. Rekl\u0101ma nedr\u012bkst veicin\u0101t bezatbild\u012bgu aiz\u0146em\u0161anos, un likum\u0101 ietverts uzskait\u012bjums gad\u012bjumiem, kad rekl\u0101ma par t\u0101du uzskat\u0101ma jebkur\u0101 gad\u012bjum\u0101;<\/li>\n<li>katr\u0101 rekl\u0101m\u0101 j\u0101iek\u013cauj br\u012bdin\u0101jums \u201cBr\u012bdin\u0101m! Aiz\u0146em\u0161an\u0101s maks\u0101 naudu\u201d, kam j\u0101atv\u0113l vismaz 10% no rekl\u0101mas apjoma;<\/li>\n<li>rekl\u0101m\u0101 aizliegts nor\u0101d\u012bt uz iesp\u0113ju sa\u0146emt kred\u012btu person\u0101m ar negat\u012bvu kred\u012btv\u0113sturi, uz iesp\u0113ju sa\u0146emt pat\u0113ri\u0146a kred\u012btu ar atmaksas termi\u0146u l\u012bdz 30 dien\u0101m, k\u0101 ar\u012b uz iesp\u0113ju pagarin\u0101t kred\u012bta atmaksas termi\u0146u;<\/li>\n<li>ja rekl\u0101m\u0101 nor\u0101d\u012bta procentu likme vai cita skaitliska inform\u0101cija par kred\u012bta izmaks\u0101m, ar uzskat\u0101ma piem\u0113ra pal\u012bdz\u012bbu j\u0101nor\u0101da ar\u012b kred\u012bta pamatnosac\u012bjumi, tostarp gada procentu likme (GPL);<\/li>\n<li>atsevi\u0161\u0137iem kred\u012btu veidiem \u2013 hipotek\u0101rajam kred\u012btam, p\u0101rsnieguma kred\u012btam, \u012bstermi\u0146a kred\u012btam ar nenoz\u012bm\u012bg\u0101m papildu izmaks\u0101m un lombarda tipa kred\u012btam \u2013 noteikts at\u0161\u0137ir\u012bgs nor\u0101d\u0101m\u0101s inform\u0101cijas apjoms.<\/li>\n<\/ul>\n<p>Praks\u0113 \u012bpa\u0161i b\u016btiska ir PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309#p8_3\" target=\"_blank\" rel=\"noopener\">8.<sup>3<\/sup>panta<\/a>\u00a09.da\u013ca. Pamatotos gad\u012bjumos, kad elektroniskais inform\u0101cijas nes\u0113js ne\u013cauj visu inform\u0101ciju vizu\u0101li att\u0113lot, var nenor\u0101d\u012bt preces vai pakalpojuma cenu un s\u0101kotn\u0113j\u0101s iemaksas lielumu, k\u0101 ar\u012b kop\u0113jo pat\u0113r\u0113t\u0101jam maks\u0101jamo summu un veicamo maks\u0101jumu apm\u0113ru. \u0160\u0101dos gad\u012bjumos, kur datu nes\u0113js ne\u013cauj \u0161o inform\u0101ciju att\u0113lot skaidr\u0101 un uzskat\u0101m\u0101 veid\u0101, pat\u0113r\u0113t\u0101jam j\u0101nodro\u0161ina iesp\u0113ja tai piek\u013c\u016bt, izmantojot klik\u0161\u0137in\u0101\u0161anu, ritin\u0101\u0161anu vai pavilk\u0161anu.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Uz kur\u0101m rekl\u0101m\u0101m regul\u0113jums attiecas<\/strong><\/span><\/h4>\n<p>PTAL 8.<sup>3<\/sup>pants attiecas uz jebkuru rekl\u0101mu, kur\u0101 tiek pied\u0101v\u0101ta iesp\u0113ja kredit\u0113t pat\u0113r\u0113t\u0101ju. Noteico\u0161ais ir rekl\u0101mas saturs, nevis rekl\u0101mas izvietot\u0101js. Proti, PTAL jaunaj\u0101 redakcij\u0101 vairs nav nor\u0101des par kred\u012bta dev\u0113ju vai kred\u012bta starpnieku k\u0101 vien\u012bgo adres\u0101tu.<\/p>\n<p>Iepriek\u0161\u0113j\u0101 redakcij\u0101 \u0161\u0101da nor\u0101de bija. PTAL 8.<sup>3<\/sup>panta 1.da\u013cas 6.punkts pie\u013c\u0101va ar kredit\u0113\u0161anu nesaist\u012btas preces vai pakalpojuma rekl\u0101mu, kur\u0101 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. Iz\u0146\u0113mums neattiec\u0101s uz telev\u012bziju un radio. Jaunaj\u0101 redakcij\u0101 \u0161\u0101da iz\u0146\u0113muma vairs nav. Tas noz\u012bm\u0113, ka tirgot\u0101js, kur\u0161 reklam\u0113 preci ar iesp\u0113ju to ieg\u0101d\u0101ties uz nomaksu, ir pak\u013cauts t\u0101m pa\u0161\u0101m saturiskaj\u0101m pras\u012bb\u0101m k\u0101 kred\u012bta dev\u0113js.<\/p>\n<p>Vienlaikus groz\u012bjumi neskar licenc\u0113\u0161anu. PTAL\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/23309#p8\" target=\"_blank\" rel=\"noopener\">8.panta<\/a>\u00a01.<sup>1<\/sup>da\u013ca joproj\u0101m neprasa speci\u0101lo at\u013cauju p\u0101rdev\u0113jam, kur\u0161 pied\u0101v\u0101 nor\u0113\u0137in\u0101ties par preci atlikta maks\u0101juma vai aizdevuma veid\u0101, nepiesaistot tre\u0161\u0101s personas finans\u0113jumu. Atbr\u012bvojums no licences pras\u012bbas tom\u0113r nav atbr\u012bvojums no rekl\u0101mas pras\u012bb\u0101m \u2013 jaunais regul\u0113jums piem\u0113rojams neatkar\u012bgi no t\u0101, vai rekl\u0101mas izvietot\u0101jam ir speci\u0101l\u0101 at\u013cauja.<\/p>\n<h4><span style=\"color: #9fffec;\"><strong>Ja preci p\u0101rdod uz nomaksu<\/strong><\/span><\/h4>\n<p>\u0145emot v\u0113r\u0101 rekl\u0101mas m\u0113r\u0137i piesaist\u012bt pat\u0113r\u0113t\u0101ju uzman\u012bbu, vizu\u0101li svar\u012bg\u0101k\u0101 pras\u012bba ir br\u012bdin\u0101jums. Proti, rekl\u0101m\u0101, kur\u0101 min\u0113ta iesp\u0113ja preci ieg\u0101d\u0101ties uz nomaksu, j\u0101iek\u013cauj br\u012bdin\u0101jums \u201cBr\u012bdin\u0101m! Aiz\u0146em\u0161an\u0101s maks\u0101 naudu\u201d. Vizu\u0101laj\u0101 un audiovizu\u0101laj\u0101 rekl\u0101m\u0101 br\u012bdin\u0101jums ir novietojams rekl\u0101mas apak\u0161\u0113j\u0101 da\u013c\u0101 ar melniem burtiem uz balta fona, un tam j\u0101atv\u0113l vismaz 10% no rekl\u0101mas apjoma.<\/p>\n<p>Ja rekl\u0101m\u0101 nor\u0101d\u012bts ikm\u0113ne\u0161a maks\u0101jums vai cita skaitliska inform\u0101cija par kred\u012bta izmaks\u0101m, j\u0101sniedz ar\u012b uzskat\u0101ms piem\u0113rs ar visiem likum\u0101 noteiktajiem elementiem, tostarp GPL. Attiec\u012bgi nor\u0101de \u201cno 30 eiro m\u0113nes\u012b\u201d bez papildu inform\u0101cijas vairs nav pietiekama \u2013 GPL, aiz\u0146\u0113muma likme, kop\u0113j\u0101 atmaks\u0101jam\u0101 summa un cita ar kred\u012btu saist\u012bt\u0101 inform\u0101cija ir j\u0101nor\u0101da ar uzskat\u0101ma piem\u0113ra pal\u012bdz\u012bbu skaidri salas\u0101m\u0101 vai skaidri sadzirdam\u0101, lakonisk\u0101 un viegli uztveram\u0101 veid\u0101. Savuk\u0101rt situ\u0101cij\u0101, kad min\u0113t\u0101s pras\u012bbas objekt\u012bvu iemeslu d\u0113\u013c ir gr\u016bti izpild\u012bt, piem\u0113ram, izvietojot rekl\u0101mu soci\u0101lo t\u012bklu baneros, pat\u0113r\u0113t\u0101jiem piek\u013cuvi inform\u0101cijai dr\u012bkst nodro\u0161in\u0101t ar klik\u0161\u0137i, ritin\u0101\u0161anu vai pavilk\u0161anu.<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Piem\u0113rs<\/strong><\/span><\/p>\n<p><em>Elektronikas veikals m\u0101jaslap\u0101 un soci\u0101lajos t\u012bklos reklam\u0113 televizoru par 30 euro m\u0113nes\u012b, izmantojot nomaksu ar sadarb\u012bbas partnera \u2013 nebanku kred\u012btdev\u0113ja \u2013 starpniec\u012bbu. \u0160\u0101da rekl\u0101ma ietilpst PTAL 8.<sup>3<\/sup>panta tv\u0113rum\u0101, lai gan veikals nav ne kred\u012bta dev\u0113js, ne kred\u012bta starpnieks. L\u012bdz ar to rekl\u0101m\u0101 ir j\u0101iek\u013cauj br\u012bdin\u0101jums. T\u0101 k\u0101 nor\u0101d\u012bts ikm\u0113ne\u0161a maks\u0101jums, ar uzskat\u0101ma piem\u0113ra pal\u012bdz\u012bbu j\u0101nor\u0101da ar\u012b aiz\u0146\u0113muma likme, GPL, kred\u012bta kop\u0113j\u0101 summa, l\u012bguma termi\u0146\u0161, televizora cena un s\u0101kotn\u0113j\u0101 iemaksa, k\u0101 ar\u012b kop\u0113j\u0101 summa, kas pat\u0113r\u0113t\u0101jam j\u0101maks\u0101.<\/em><\/p>\n<p>Pied\u0101v\u0101jot ieg\u0101d\u0101ties preci uz nomaksu, ir aizliegts uzsv\u0113rt, cik viegli vai \u0101tri var sa\u0146emt finans\u0113jumu, rad\u012bt iespaidu, ka nomaksa nav saist\u012bta ar risku, vai mudin\u0101t ieg\u0101d\u0101ties preci neatkar\u012bgi no pat\u0113r\u0113t\u0101ja finansi\u0101l\u0101 st\u0101vok\u013ca. \u0160ie krit\u0113riji v\u0113rt\u0113jami p\u0113c rekl\u0101mas kop\u0113j\u0101 satura, pasnieg\u0161anas veida un noform\u0113juma, nevis atsevi\u0161\u0137a formul\u0113juma.<\/p>\n<p>Groz\u012bjumi skar ar\u012b pa\u0161u kredit\u0113\u0161anas l\u012bgumu sl\u0113g\u0161anu. Aizliegums sl\u0113gt pat\u0113r\u0113t\u0101ja kredit\u0113\u0161anas l\u012bgumu nakt\u012b ir papla\u0161in\u0101ts \u2013 tagad tas attiecas uz laiku no plkst. 21.00 l\u012bdz 8.00, aizst\u0101jot iepriek\u0161\u0113jo ierobe\u017eojumu no plkst. 23.00 l\u012bdz 7.00. Turkl\u0101t min\u0113tais laika ierobe\u017eojums aptver ar\u012b l\u012bguma groz\u012b\u0161anu. Palielin\u0101ta ar\u012b atbild\u012bba saist\u012bb\u0101 ar kred\u012btsp\u0113jas izv\u0113rt\u0113\u0161anu. Ja kred\u012bts pie\u0161\u0137irts, neizv\u0113rt\u0113jot pat\u0113r\u0113t\u0101ja sp\u0113ju to atmaks\u0101t, un l\u012bgums nosl\u0113gts laik\u0101, kad pat\u0113r\u0113t\u0101js nav sasniedzis 20 gadu vecumu, kred\u012bta dev\u0113js nav ties\u012bgs pras\u012bt likumisko procentu atmaksu.<\/p>\n<p>J\u0101uzsver, ka uz\u0146\u0113mumiem, kas preces p\u0101rdod uz nomaksu, eso\u0161ie rekl\u0101mas materi\u0101li j\u0101p\u0101rskata nekav\u0113joties, jo likuma groz\u012bjumi neparedz p\u0101rejas periodu un ir sp\u0113k\u0101 no 2026.gada 19.augusta.<\/p>\n<p>Publik\u0101cija: <a href=\"https:\/\/ifinanses.lv\/tiesibas\/raksti\/ligumi-un-darijumi\/ligumi\/bizness-jaunas-prasibas-reklamejot-preci-uz-nomaksu\/31547\" target=\"_blank\" rel=\"noopener\">ifinanses.lv<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>2026.gada 19.august\u0101 st\u0101j\u0101s sp\u0113k\u0101 Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma groz\u012bjumi, ar kuriem atcelts pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas aizliegums un t\u0101 viet\u0101 noteiktas saturiskas pras\u012bbas rekl\u0101mai. Groz\u012bjumi attiecas ne tikai uz kred\u012bta dev\u0113jiem, bet ar\u012b uz uz\u0146\u0113mumiem, kas preces p\u0101rdod uz nomaksu. K\u0101p\u0113c..<\/p>\n","protected":false},"author":10,"featured_media":56959,"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-56957","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 Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Jaunas pras\u012bbas, reklam\u0113jot preci uz nomaksu | COBALT<\/title>\n<meta name=\"description\" content=\"2026.gada 19.august\u0101 st\u0101j\u0101s sp\u0113k\u0101 Pat\u0113r\u0113t\u0101ju ties\u012bbu aizsardz\u012bbas likuma groz\u012bjumi, ar kuriem atcelts pat\u0113r\u0113t\u0101ju kredit\u0113\u0161anas rekl\u0101mas aizliegums un t\u0101 viet\u0101 noteiktas saturiskas pras\u012bbas rekl\u0101mai. 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