◷
New version applies from 05/12/2011 — introduced by Commission Directive 2011/90/EU.
52 provisions change.
Later versions: 20/03/2014, 01/01/2018, 26/07/2019, 30/12/2023.
Consumer Credit Directive
11/06/2008 → 21/06/2008: 0 inserted · 0 removed · 82 amended · 0 moved · 3 renamed · 5 unchanged
Position-only shifts inside the same heading are not changes. Amended = the printed text changed.
Preamble
- amended Preamble
Recitals
- amended Recital 1
- amended Recital 2
- amended Recital 3
- amended Recital 4
- amended Recital 5
- amended Recital 6
- amended Recital 7
- amended Recital 8
- amended Recital 9
- amended Recital 10
- amended Recital 11
- amended Recital 12
- amended Recital 13
- amended Recital 14
- amended Recital 15
- amended Recital 16
- amended Recital 17
- amended Recital 18
- amended Recital 19
- amended Recital 20
- amended Recital 21
- amended Recital 22
- amended Recital 23
- amended Recital 24
- amended Recital 25
- amended Recital 26
- amended Recital 27
- amended Recital 28
- amended Recital 29
- amended Recital 30
- amended Recital 31
- amended Recital 32
- amended Recital 33
- amended Recital 34
- amended Recital 35
- amended Recital 36
- amended Recital 37
- amended Recital 38
- amended Recital 39
- amended Recital 40
- amended Recital 41
- amended Recital 42
- amended Recital 43
- amended Recital 44
- amended Recital 45
- amended Recital 46
- amended Recital 47
- amended Recital 48
- amended Recital 49
- amended Recital 50
- amended Recital 51
Chapter I - SUBJECT MATTER, SCOPE AND DEFINITIONS
- amended Article 2 - Scope Chapter I
- amended Article 3 - Definitions Chapter I
Chapter I · 1 unchanged
Chapter II - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
- amended Article 4 - Standard information to be included in advertising Chapter II
- amended Article 5 - Pre-contractual information Chapter II
- amended Article 6 - Pre-contractual information requirements for certain credit agreements in the form of an overdraft facility and for certain specific credit agreements Chapter II
- amended Article 8 - Obligation to assess the creditworthiness of the consumer Chapter II
Chapter II · 1 unchanged
Chapter III - DATABASE ACCESS
- amended Article 9 - Database access Chapter III
Chapter IV - INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS
- amended Article 10 - Information to be included in credit agreements Chapter IV
- amended Article 11 - Information concerning the borrowing rate Chapter IV
- amended Article 12 - Obligations in connection with credit agreement in the form of an overdraft facility Chapter IV
- amended Article 13 - Open-end credit agreements Chapter IV
- amended Article 14 - Right of withdrawal Chapter IV
- amended Article 15 - Linked credit agreements Chapter IV
- amended Article 16 - Early repayment Chapter IV
- amended Article 17 - Assignment of rights Chapter IV
- amended Article 18 - Overrunning Chapter IV
Chapter V - ANNUAL PERCENTAGE RATE OF CHARGE
- amended Article 19 - Calculation of the annual percentage rate of charge Chapter V
Chapter VI - CREDITORS AND CREDIT INTERMEDIARIES
Chapter VI · 1 unchanged
Chapter VII - IMPLEMENTING MEASURES
- amended Article 22 - Harmonisation and imperative nature of this Directive Chapter VII
- amended Article 24 - Out-of-court dispute resolution Chapter VII
- amended Article 25 - Committee procedure Chapter VII
- amended Article 26 - Information to be supplied to the Commission Chapter VII
- amended Article 27 - Transposition Chapter VII
- amended Article 28 - Conversion of amounts expressed in euro into national currency Chapter VII
Chapter VII · 1 unchanged
Chapter VIII - TRANSITIONAL AND FINAL PROVISIONS
- amended Article 29 - Repeal Chapter VIII
- amended Article 30 - Transitional measures Chapter VIII
- amended Article 32 - Addressees Chapter VIII
Chapter VIII · 1 unchanged
Annexes
- amendedrenamed Annex I - I.The basic equation expressing the equivalence of drawdowns on the one hand and repayments and charges on the other. was “Annex I”
- amendedrenamed Annex II - STANDARD EUROPEAN CONSUMER CREDIT INFORMATION was “Annex II”
- amendedrenamed Annex III - EUROPEAN CONSUMER CREDIT INFORMATION FOR was “Annex III”