On March 1, FIC and AmCham sent to the Prime Minister and President a joint initiative aimed at reducing risk stemming from different interpretations related to the collection of fees for loan calculation and collection of premiums of National Housing Loan Corporation (NKOSK). Inconsistency of the interpretation jeopardizes legal certainty, inducing huge costs to the industry, especially due to the initiation of mass disputes by clients. When it comes to the fees for loan calculation, the Supreme Cassation Court tried to end the inconsistency in 2018 by adopting the legal opinion on that issue. After that, however, it was subject to the various interpretations. FIC and AmCham view is that the fees are in line with the rules in Serbia, as well as with the decisions of the European Court of Justice. Issue related to the collection of premiums of National Housing Loan Corporation is even more absurd, having in mind that the insurance of real estate loans was introduced by Serbian state. FIC and AmCham pleaded for the quick resolution of those issues, having in mind the large number of court procedures and the progression of their number. The letter can be accessed below.