Abstract
Consumers' demands for purchasing goods and services, which are more and more complex and different, have been and are insured, in the absence of the necessary or sufficient amounts of money, by means of credits granted for consumption; the field in question is generically named “consumer credit. This financial-legal mechanism which is widely spread and useful contains the consumer credit contract as key element, which has some specific features for private law, both in terms of its constitution and enforcement. Given its relatively recent existence within the Romanian legal system, the present work aims to carry out an analysis of the main rules governing the enforcement of the consumer credit contract, in the context of the national and European legislation.