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Preamble
Recitals 51
Chapter I - SUBJECT MATTER, SCOPE AND DEFINITIONS (Article 1-3) 3
Chapter II - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 4-8) 5
Chapter III - DATABASE ACCESS (Article 9) 1
Chapter IV - INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS (Article 10-18) 9
Chapter V - ANNUAL PERCENTAGE RATE OF CHARGE (Article 19) 1
Chapter VI - CREDITORS AND CREDIT INTERMEDIARIES (Article 20-21) 2
Chapter VII - IMPLEMENTING MEASURES (Article 22-28) 7
Chapter VIII - TRANSITIONAL AND FINAL PROVISIONS (Article 29-32) 4
Annexes 3
Amending acts 5

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New version applies from 01/01/2018 — introduced by Benchmark Regulation (BMR). 63 provisions change. Later versions: 26/07/2019, 30/12/2023.

View as of 01/01/2018 What changes

Consumer Credit Directive

Directive 2008/48/EC

Directive 2008/48/EC of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers and repealing Council Directive 87/102/EEC

Showing the text as of 28/07/2016

32 articles

51 recitals

3 annexes

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Official text · consolidated version 20/03/2014 (no longer in force)