The Vienna Chamber of Labour (AK Wien) conducted a practical test to find out whether the legally prescribed product information sheets (“European Standard Consumer Credit Information”) were in fact used or handed out to consumers at meetings with customer advisors on consumer loans.


To this end, an AK test shopper composed a credit request. The meetings with customer advisors are also intended to filter out how the advice process unfolds, which terms and conditions the banks name, and how the subject of credit insurance (residual debt insurance, life insurance and term life insurance) is treated.