This paper analyses current situation in the capital market of Latvia and changes in consumer behavior caused by these changes. The authors analyze current situation in the capital market and give historical insight in processes of the capital market development in Latvia. Very special role is devoted to definition of consumer behavior and factors what influences it. According to the research done by the authors there are 3 groups of factors what influences consumer behavior in the capital market – direct, indirect and situational. The authors present and analyze statistical information about the capital market of Latvia and according to research results emphasize that political and economical factors stimulates passivity in credit-activity of companies.