Directive (EU) 2023/2225 (Consumer Credit Directive, CCD2) — credit agreements for consumers

Current as of 30 October 202350 provisions

Ask about this law Official text on eur-lex.europa.eu

Provisions

95 in the library

Find a provision

["CHAPTER XIII", "ASSIGNMENTS OF RIGHTS AND DISPUTE RESOLUTION", "Article 40"]
Out-of-court dispute resolution
Out-of-court dispute resolution 1. Member States shall ensure that consumers have access to adequate, prompt and effective out-of-court dispute resolution…
["CHAPTER XV", "FINAL PROVISIONS", "Article 45"]
Exercise of the delegation
Exercise of the delegation 1. The power to adopt delegated acts is conferred on the Commission subject to the conditions laid down in this Article. 2. The…
["CHAPTER XIII", "ASSIGNMENTS OF RIGHTS AND DISPUTE RESOLUTION", "Article 39"]
Assignment of rights
Assignment of rights 1. Member States shall ensure that the consumer, in the event of assignment to a third party of the creditor’s rights under a credit…
["CHAPTER IX", "ANNUAL PERCENTAGE RATE OF CHARGE AND MEASURES TO LIMIT RATES AND COSTS", "Article 30"]
Calculation of the annual percentage rate of charge
Calculation of the annual percentage rate of charge 1. The annual percentage rate of charge shall be calculated in accordance with the mathematical formula set…
["CHAPTER IX", "ANNUAL PERCENTAGE RATE OF CHARGE AND MEASURES TO LIMIT RATES AND COSTS", "Article 31"]
Measures to limit borrowing rates, annual percentage rates of charge or total costs of credit to the consumer
Measures to limit borrowing rates, annual percentage rates of charge or total costs of credit to the consumer 1. Member States shall introduce measures to…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 15"]
Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services
Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services 1. Member States shall ensure that creditors and credit…
["CHAPTER VII", "OVERDRAFT FACILITIES AND OVERRUNNING", "Article 24"]
Overdraft facilities
Overdraft facilities 1. Where a credit has been granted in the form of an overdraft facility, Member States shall require that the creditor, throughout the…
["CHAPTER VII", "OVERDRAFT FACILITIES AND OVERRUNNING", "Article 25"]
Overrunning
Overrunning 1. In the case of an agreement to open a current account, where there is a possibility that the consumer is allowed an overrun, Member States shall…
["CHAPTER XV", "FINAL PROVISIONS", "Article 44"]
Penalties
Penalties 1. Member States shall lay down the rules on penalties applicable to infringements of the national provisions adopted pursuant to this Directive and…
["CHAPTER X", "CONDUCT OF BUSINESS OBLIGATIONS AND REQUIREMENTS FOR STAFF", "Article 33"]
Knowledge and competence requirements for staff
Knowledge and competence requirements for staff 1. Member States shall ensure that creditors and credit intermediaries require their staff to possess and keep…
["CHAPTER XII", "CREDITORS AND CREDIT INTERMEDIARIES", "Article 38"]
Specific obligations for credit intermediaries
Specific obligations for credit intermediaries Member States shall require that credit intermediaries: (a) indicate, in advertising and documentation intended…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 9"]
General information
General information 1. Member States shall ensure that clear and comprehensible general information about credit agreements is made available to consumers by…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 8"]
Standard information to be included in advertising of credit agreements
Standard information to be included in advertising of credit agreements 1. Member States shall require that advertising concerning credit agreements include a…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 11"]
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7)
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7) 1. For credit agreements referred to in Article 2 (6) or (7)…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information 1. Member States shall require that the creditor and, where applicable, the credit intermediary provide the consumer with the clear…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 26"]
Right of withdrawal
Right of withdrawal 1. Member States shall ensure that the consumer may withdraw from the credit agreement without giving any reason within a period of 14…
["CHAPTER V", "FORM AND CONTENT OF CREDIT AGREEMENTS", "Article 20"]
Form of the credit agreement
Form of the credit agreement 1. Member States shall require that credit agreements and any modifications of such agreements are drawn up on paper or another…
["CHAPTER I", "GENERAL PROVISIONS", "Article 3"]
Definitions
Definitions For the purposes of this Directive, the following definitions apply: (1) ‘consumer’ means a natural person who acts for purposes which are outside…
["CHAPTER XV", "FINAL PROVISIONS", "Article 46"]
Review and monitoring
Review and monitoring 1. The Commission shall undertake, by 20 November 2029 and every four years thereafter, an evaluation of this Directive. The evaluation…
["CHAPTER XV", "FINAL PROVISIONS", "Article 43"]
Imperative nature of this Directive
Imperative nature of this Directive 1. Member States shall ensure that consumers may not waive the rights conferred on them by the national measures…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 12"]
Adequate explanations
Adequate explanations 1. Member States shall ensure that creditors and, where applicable, credit intermediaries are required to provide adequate explanations…
["CHAPTER I", "GENERAL PROVISIONS", "Article 2"]
Scope
Scope 1. This Directive applies to credit agreements. 2. This Directive does not apply to the following: (a) credit agreements which are secured either by a…
["CHAPTER IV", "ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS", "Article 19"]
Databases
Databases 1. Each Member State shall, in the case of cross-border credit, ensure access for creditors from other Member States to databases used in that Member…
["CHAPTER I", "GENERAL PROVISIONS", "Article 6"]
Non-discrimination
Non-discrimination Member States shall ensure that the conditions to be fulfilled for being granted a credit do not discriminate against consumers legally…
["CHAPTER I", "GENERAL PROVISIONS", "Article 5"]
Obligation to provide information free of charge to consumers
Obligation to provide information free of charge to consumers Member States shall require that, when information is provided to consumers in accordance with…
["CHAPTER XI", "FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES", "Article 34"]
Financial education
Financial education 1. Member States shall promote measures that support the education of consumers in relation to responsible borrowing and debt management…
["CHAPTER XV", "FINAL PROVISIONS", "Article 42"]
Level of harmonisation
Level of harmonisation 1. Insofar as this Directive contains harmonised provisions, Member States may not maintain or introduce in their national law…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 13"]
Personalised offers on the basis of automated processing
Personalised offers on the basis of automated processing Without prejudice to Regulation (EU) 2016/679, Member States shall require that creditors and credit…
["CHAPTER XV", "FINAL PROVISIONS", "Article 48"]
Transposition
Transposition 1. Member States shall adopt and publish, by 20 November 2025, the laws, regulations and administrative provisions necessary to comply with this…
["CHAPTER XIV", "COMPETENT AUTHORITIES", "Article 41"]
Competent authorities
Competent authorities 1. Member States shall designate the national competent authorities empowered to ensure the application and enforcement of this Directive…
["CHAPTER XI", "FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES", "Article 36"]
Debt advisory services
Debt advisory services 1. Member States shall ensure that independent debt advisory services are made available to consumers who experience or might experience…
["CHAPTER XI", "FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES", "Article 35"]
Arrears and forbearance measures
Arrears and forbearance measures 1. Member States shall require creditors to exercise, where appropriate, reasonable forbearance before enforcement proceedings…
["CHAPTER I", "GENERAL PROVISIONS", "Article 1"]
Subject matter
Subject matter This Directive lays down a common framework for harmonisation of certain aspects of the laws, regulations and administrative provisions of the…
["CHAPTER VI", "MODIFICATIONS OF THE CREDIT AGREEMENT AND CHANGES IN THE BORROWING RATE", "Article 22"]
Information regarding the modification of the credit agreement
Information regarding the modification of the credit agreement Without prejudice to other obligations provided for in this Directive, Member States shall…
["CHAPTER VI", "MODIFICATIONS OF THE CREDIT AGREEMENT AND CHANGES IN THE BORROWING RATE", "Article 23"]
Changes in the borrowing rate
Changes in the borrowing rate 1. Where creditors are allowed to change borrowing rates of existing credit agreements, Member States shall require that the…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 17"]
Ban on unsolicited granting of credit
Ban on unsolicited granting of credit Member States shall prohibit any granting of credit to consumers without their prior request and explicit agreement.
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 29"]
Early repayment
Early repayment 1. Member States shall ensure that the consumer is at any time entitled to early repayment. In such cases, the consumer shall be entitled to a…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 27"]
Linked credit agreements
Linked credit agreements 1. Member States shall ensure that a consumer who has exercised the right of withdrawal, based on Union law, concerning a contract for…
["CHAPTER XV", "FINAL PROVISIONS", "Article 49"]
Entry into force
Entry into force This Directive shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 14"]
Tying and bundling practices
Tying and bundling practices 1. Member States shall allow bundling practices but shall prohibit tying practices. 2. By way of derogation from paragraph 1 and…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 28"]
Open-end credit agreements
Open-end credit agreements 1. Member States shall ensure that the consumer may effect standard termination of an open-end credit agreement free of charge at…
["CHAPTER X", "CONDUCT OF BUSINESS OBLIGATIONS AND REQUIREMENTS FOR STAFF", "Article 32"]
Conduct of business obligations when providing credit to consumers
Conduct of business obligations when providing credit to consumers 1. Member States shall require that the creditor and the credit intermediary act honestly…
["CHAPTER XV", "FINAL PROVISIONS", "Article 50"]
Addressees
Addressees This Directive is addressed to the Member States.
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 7"]
Advertising and marketing of credit agreements
Advertising and marketing of credit agreements Without prejudice to Directive 2005/29/EC, Member States shall require that any advertising and marketing…
["CHAPTER XII", "CREDITORS AND CREDIT INTERMEDIARIES", "Article 37"]
Admission, registration and supervision of non-credit institutions and non-payment institutions
Admission, registration and supervision of non-credit institutions and non-payment institutions 1. Member States shall ensure that creditors and credit…
["CHAPTER XV", "FINAL PROVISIONS", "Article 47"]
Repeal and transitional provisions
Repeal and transitional provisions Directive 2008/48/EC is repealed with effect from 20 November 2026. Notwithstanding the first paragraph, Directive…
["CHAPTER I", "GENERAL PROVISIONS", "Article 4"]
Conversion of amounts expressed in euro into national currency
Conversion of amounts expressed in euro into national currency 1. For the purposes of this Directive, those Member States which convert the amounts expressed…
["CHAPTER IV", "ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS", "Article 18"]
Obligation to assess the creditworthiness of the consumer
Obligation to assess the creditworthiness of the consumer 1. Member States shall require that, before concluding a credit agreement, the creditor carry out a…
["CHAPTER V", "FORM AND CONTENT OF CREDIT AGREEMENTS", "Article 21"]
Information to be included in the credit agreement
Information to be included in the credit agreement 1. Member States shall require that the credit agreement specify in a clear and concise manner all of the…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 16"]
Advisory services
Advisory services 1. Member States shall require that the creditor and, where applicable, the credit intermediary explicitly inform the consumer, in the…
["CHAPTER IX", "ANNUAL PERCENTAGE RATE OF CHARGE AND MEASURES TO LIMIT RATES AND COSTS", "Article 30"]
Calculation of the annual percentage rate of charge
Calculation of the annual percentage rate of charge 4. In the case of credit agreements containing clauses that allow variations in the borrowing rate or…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 29"]
Early repayment
Early repayment 4. By way of derogation from paragraph 2, Member States may provide that: (a) the creditor is only entitled to the compensation referred to in…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 9"]
General information
General information 2. The general information referred to in paragraph 1 shall include at least the following: (a) the identity, geographical address…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 16"]
Advisory services
Advisory services 3. Where advisory services are provided to consumers, Member States shall require that creditors and, where applicable, credit…
["CHAPTER V", "FORM AND CONTENT OF CREDIT AGREEMENTS", "Article 21"]
Information to be included in the credit agreement
Information to be included in the credit agreement form of an amortisation table; (j) where charges and interest are to be paid without capital amortisation, a…
["CHAPTER IV", "ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS", "Article 19"]
Databases
Databases (1) of Regulation (EU) 2016/679 and personal data processed from social networks that may be contained in databases referred to in paragraph 1 of…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 8"]
Standard information to be included in advertising of credit agreements
Standard information to be included in advertising of credit agreements 3. The standard information shall be easily legible or clearly audible, as appropriate…
["CHAPTER XIV", "COMPETENT AUTHORITIES", "Article 41"]
Competent authorities
Competent authorities (29); or (b) authorities other than the competent authorities referred to in point (a), provided that national laws, regulations or…
["CHAPTER VII", "OVERDRAFT FACILITIES AND OVERRUNNING", "Article 25"]
Overrunning
Overrunning 4. Member States shall require the creditor to notify the consumer in an agreed manner when the overrunning is not allowed anymore or the limit of…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information 2. The pre-contractual information referred to in paragraph 1 shall be provided on paper or on another durable medium chosen by the…
["CHAPTER XI", "FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES", "Article 35"]
Arrears and forbearance measures
Arrears and forbearance measures 3. Where Member States allow creditors to define and impose charges on the consumer arising from a default, those Member…
["CHAPTER I", "GENERAL PROVISIONS", "Article 2"]
Scope
Scope (1), of Regulation (EU) No 575/2013 for the purposes of allowing an investor to carry out a transaction relating to one or more of the financial…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 26"]
Right of withdrawal
Right of withdrawal (1), first subparagraph, point (p). 3. In the case of a linked credit agreement for the purchase of a good with a return policy that…
["CHAPTER XV", "FINAL PROVISIONS", "Article 45"]
Exercise of the delegation
Exercise of the delegation (5) shall enter into force only if no objection has been expressed either by the European Parliament or by the Council within a…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 11"]
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7)
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7) (3), specify all of the following elements, in a prominent way…
["CHAPTER I", "GENERAL PROVISIONS", "Article 3"]
Definitions
Definitions (7) ‘annual percentage rate of charge’ or ‘APR’ means the total cost of the credit to the consumer, expressed as an annual percentage of the total…
["CHAPTER IV", "ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS", "Article 18"]
Obligation to assess the creditworthiness of the consumer
Obligation to assess the creditworthiness of the consumer 4. Member States shall require the creditor to establish procedures for the assessment referred to in…
["CHAPTER X", "CONDUCT OF BUSINESS OBLIGATIONS AND REQUIREMENTS FOR STAFF", "Article 32"]
Conduct of business obligations when providing credit to consumers
Conduct of business obligations when providing credit to consumers (3), point (a). 2. Member States shall ensure that the manner in which creditors remunerate…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 14"]
Tying and bundling practices
Tying and bundling practices 5. In order for consumers to have additional time to compare insurance offers related to credit agreements before purchasing an…
["CHAPTER VII", "OVERDRAFT FACILITIES AND OVERRUNNING", "Article 24"]
Overdraft facilities
Overdraft facilities 2. Where a credit has been granted in the form of an overdraft facility, Member States shall require that the creditor informs the…
["CHAPTER I", "GENERAL PROVISIONS", "Article 3"]
Definitions
Definitions (12) ‘credit intermediary’ means a natural or legal person that is not acting as a creditor or notary and not merely introducing, either directly…
["CHAPTER IV", "ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS", "Article 18"]
Obligation to assess the creditworthiness of the consumer
Obligation to assess the creditworthiness of the consumer 8. Where the creditworthiness assessment involves the use of automated processing of personal data…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 16"]
Advisory services
Advisory services 4. Member States may prohibit the use of the terms ‘advice’ and ‘advisor’ or similar terms when the advisory services are being marketed and…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information 3. The pre-contractual information referred to in paragraph 1 shall specify all of the following elements in a prominent way in the…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 11"]
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7)
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7) 3. In the event that all the elements referred to in paragraph…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 26"]
Right of withdrawal
Right of withdrawal (1), first subparagraph, point (p), on paper or another durable medium chosen by the consumer and specified in the credit agreement within…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 8"]
Standard information to be included in advertising of credit agreements
Standard information to be included in advertising of credit agreements 6. Without prejudice to Directive 2005/29/EC, in specific and justified cases where the…
["CHAPTER V", "FORM AND CONTENT OF CREDIT AGREEMENTS", "Article 21"]
Information to be included in the credit agreement
Information to be included in the credit agreement (1), second subparagraph; (ii) the information referred to in Article 22; (iii) the information on the…
["CHAPTER VII", "OVERDRAFT FACILITIES AND OVERRUNNING", "Article 24"]
Overdraft facilities
Overdraft facilities 4. Where the overdraft facility is reduced or cancelled, Member States shall require that the creditor offer the consumer, before the…
["CHAPTER I", "GENERAL PROVISIONS", "Article 2"]
Scope
Scope (26) consisting of the conclusion of distance contracts with consumers for the sale of goods or supply of services within the meaning of Article 2, point…
["CHAPTER VIII", "WITHDRAWAL, TERMINATION AND EARLY REPAYMENT", "Article 26"]
Right of withdrawal
Right of withdrawal 8. Member States may provide that paragraphs 1 to 6 of this Article shall not apply to credit agreements which are required under national…
["CHAPTER I", "GENERAL PROVISIONS", "Article 2"]
Scope
Scope (2) and Articles 28 and 39 shall apply to all open-end credit agreements existing on 20 November 2026. 3. Notwithstanding paragraph 2, point (c), this…
["CHAPTER V", "FORM AND CONTENT OF CREDIT AGREEMENTS", "Article 21"]
Information to be included in the credit agreement
Information to be included in the credit agreement 2. Where paragraph 1, first subparagraph, point (i), applies, the creditor shall make available to the…
["CHAPTER IV", "ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS", "Article 18"]
Obligation to assess the creditworthiness of the consumer
Obligation to assess the creditworthiness of the consumer 11. Member States may require creditors to assess the creditworthiness of consumers on the basis of a…
["CHAPTER I", "GENERAL PROVISIONS", "Article 3"]
Definitions
Definitions (17) ‘advisory services’ means personal recommendations to a consumer in respect of one or more transactions relating to credit agreements and that…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 11"]
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7)
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7) (6), of the result of a database consultation carried out for…
["CHAPTER III", "TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT", "Article 16"]
Advisory services
Advisory services 6. Member States shall ensure that advisory services may only be provided by creditors and, where applicable, credit intermediaries. Member…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information 4. In the event that all the elements referred to in paragraph 3 cannot be displayed in a prominent way on one page, they shall be…
["CHAPTER I", "GENERAL PROVISIONS", "Article 2"]
Scope
Scope (3) and Articles 23, 25 and 28 to 50 apply to credit agreements which are concluded by an organisation whose membership is restricted to persons residing…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information 5. The pre-contractual information referred to in paragraph 1 shall specify all of the following elements, which shall be displayed…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 11"]
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7)
Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7) (3), point (b), second indent, of that Directive shall include…
["CHAPTER I", "GENERAL PROVISIONS", "Article 3"]
Definitions
Definitions (22) ‘debt advisory services’ means personalised assistance of a technical, legal or psychological nature provided by independent professional…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information the credit agreement; (h) the obligation, if any, to enter into an ancillary service contract relating to the credit agreement…
["CHAPTER I", "GENERAL PROVISIONS", "Article 2"]
Scope
Scope the exemption where they consider that they are no longer met. 7. Member States may determine that only Articles 1, 2, 3, 7, 8, 11, 19 and 20, Article 21…
["CHAPTER II", "INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT", "Article 10"]
Pre-contractual information
Pre-contractual information (6), of the result of a database consultation carried out for the purposes of assessing his or her creditworthiness; (l) the…

Headings and opening words only; the full text is on eur-lex.europa.eu, which is authoritative. The library holds the version current as of the date shown. AI output is not legal advice — consult a licensed lawyer in the relevant jurisdiction.

Ask your first question. See the price before you do.

Start free See pricing

Free start credits · No card · No subscription · AI output is not legal advice — consult a licensed lawyer in the relevant jurisdiction.