(83)Member States may decide to transpose certain aspects covered by this Directive in national law by prudential law, for example the creditworthiness assessment of the consumer, while others are transposed by civil or criminal law, for example the obligations relating to responsible borrowers.
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New version applies from 20/03/2014.
129 provisions change.
Later versions: 01/01/2018, 30/12/2023.
Recital 83 changes in this version: compare with the current text.