Issues of financing by bank lending or otherwise are addressed. In this context, emphasis is placed on aspects of credit agreements with an international character, consumer and mortgage credit (Directives 2008/48, 2014/17), securitization of receivables, as well as other forms of financing, such as bond loans and crowdfunding. Aspects of regulatory compliance of banks granting credit and related sanctions are also addressed. Furthermore, issues of capital market capital raising in the capital market; in particular, those relating to the prospectus (Regulation (EU) 2017/1129 on the prospectus to be published when securities are offered to the public or admitted to trading on a regulated market) are also considered.