The authors are conducting a research into a highly demanding subject – the legal provisions referring to the legal regulations and supervision of credit activity in such countries as Germany and Italy. Since Germany and Italy are European Union’s members, we will have to also deal with the European Union Law regarding credit activities. The study is trying to depict a picture of general legal provisions and to some extent to draw some conclusions concerning the way German and Italian legislations are protecting the fundamental human rights when it refers to credit law and credit relations. Finally, we are trying to present some solutions for the Republic of Moldova, in order to ensure the financial human rights in our country. We do hope that the Republic of Moldova could benefit from the German experience concerning credit operations and credit law.