OBS_VALUE: <ul><li><a href=https://narodne-novine.nn.hr/clanci/sluzbeni/2013_12_159_3328.html target=_blank>Credit Institutions Act(Zakon o kreditnim institucijama, Official Gazette of the Republic of Croatia, no. 159/2013, adopted on 30 December 2013, last amended on 22 December 2022)</a></li></ul>