S.L. 378.10 Art. 24Regulations to prevail.

(1) The provisions of these regulations cannot be circumvented in a way which could lead to consumers losing the protection granted by these regulations as a result of the way in which credit agreements are formulated, in particular by integrating credit agreements into agreements, the character or purpose of which would make it possible to avoid the application of those measures.

(2) Any waiver by the consumer of any of the rights granted to him by these regulations shall be null and void.

(3) Notwithstanding any provision in the credit agreement to the effect that the applicable law to the credit agreement shall be the law of a non-Member State, the protection granted by these regulations shall continue to apply where the credit agreement has a close link with Malta or any other Member State.