The author is conducting a research into a highly demanding subject – the legal provisions referring to the legal regulations and supervision of credit activity of non-banking financial organizations in different countries. Since Netherlands and Spain are European Union’s members and the UK is still a member (even in the process of separation from the EU), 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 Netherlands, Spain and UK legislations are protecting the fundamental human rights when it refers to the credit law and credit relations. Finally, we are trying to present some solutions to 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 Netherlands and Spain experience concerning credit operations and credit law.