(5)In recent years the types of credit offered to and used by consumers have evolved considerably. New credit instruments have appeared, and their use continues to develop. It is therefore necessary to amend existing provisions and to extend their scope, where appropriate.
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New version applies from 21/06/2008.
82 provisions change.
Later versions: 05/12/2011, 20/03/2014, 01/01/2018, 26/07/2019, 30/12/2023.
Recital 5 changes in this version: compare with the current text.