What changes on 28/02/2014
The text in force from 20/11/2003 compared with the text from 28/02/2014.
139 inserted
0 amended
0 deleted
0 moved
Read the act as of 28/02/2014 · other versions: 20/03/2014 · 01/01/2018 · 30/12/2023
Chapter 1
- inserted Article 1 - Subject matter
- inserted Article 2 - Level of harmonisation
- inserted Article 3 - Scope
- inserted Article 4 - Definitions
- inserted Article 5 - Competent authorities
Chapter 2
Chapter 3
- inserted Article 7 - Conduct of business obligations when providing credit to consumers
- inserted Article 8 - Obligation to provide information free of charge to consumers
- inserted Article 9 - Knowledge and competence requirements for staff
Chapter 4
- inserted Article 10 - General provisions applicable to advertising and marketing
- inserted Article 11 - Standard information to be included in advertising
- inserted Article 12 - Tying and bundling practices
- inserted Article 13 - General information
- inserted Article 14 - Pre-contractual information
- inserted Article 15 - Information requirements concerning credit intermediaries and appointed representatives
- inserted Article 16 - Adequate explanations
Chapter 5
- inserted Article 17 - Calculation of the APRC
Chapter 6
- inserted Article 18 - Obligation to assess the creditworthiness of the consumer
- inserted Article 19 - Property valuation
- inserted Article 20 - Disclosure and verification of consumer information
Chapter 7
- inserted Article 21 - Database access
Chapter 8
Chapter 9
- inserted Article 23 - Foreign currency loans
- inserted Article 24 - Variable rate credits
Chapter 10
- inserted Article 25 - Early repayment
- inserted Article 26 - Flexible and reliable markets
- inserted Article 27 - Information concerning changes in the borrowing rate
- inserted Article 28 - Arrears and foreclosure
Chapter 11
- inserted Article 29 - Admission of credit intermediaries
- inserted Article 30 - Credit intermediaries tied to only one creditor
- inserted Article 31 - Appointed representatives
- inserted Article 32 - Freedom of establishment and freedom to provide services by credit intermediaries
- inserted Article 33 - Withdrawal of admission of credit intermediaries
- inserted Article 34 - Supervision of credit intermediaries and appointed representatives
Chapter 12
Chapter 13
- inserted Article 36 - Obligation to cooperate
- inserted Article 37 - Settlement of disagreements between competent authorities of different Member States
Chapter 14
- inserted Article 38 - Sanctions
- inserted Article 39 - Dispute resolution mechanisms
- inserted Article 40 - Exercise of the delegation
- inserted Article 41 - Imperative nature of this Directive
- inserted Article 42 - Transposition
- inserted Article 43 - Transitional provisions
- inserted Article 44 - Review clause
- inserted Article 45 - Further initiatives on responsible lending and borrowing
- inserted Article 46 - Amendment of Directive 2008/48/EC
- inserted Article 47 - Amendment of Directive 2013/36/EU
- inserted Article 48 - Amendment of Regulation (EU) No 1093/2010
- inserted Article 49 - Entry into force
- inserted Article 50 - Addressees
Outside any heading
- inserted Recital 1
- inserted Recital 2
- inserted Recital 3
- inserted Recital 4
- inserted Recital 5
- inserted Recital 6
- inserted Recital 7
- inserted Recital 8
- inserted Recital 9
- inserted Recital 10
- inserted Recital 11
- inserted Recital 12
- inserted Recital 13
- inserted Recital 14
- inserted Recital 15
- inserted Recital 16
- inserted Recital 17
- inserted Recital 18
- inserted Recital 19
- inserted Recital 20
- inserted Recital 21
- inserted Recital 22
- inserted Recital 23
- inserted Recital 24
- inserted Recital 25
- inserted Recital 26
- inserted Recital 27
- inserted Recital 28
- inserted Recital 29
- inserted Recital 30
- inserted Recital 31
- inserted Recital 32
- inserted Recital 33
- inserted Recital 34
- inserted Recital 35
- inserted Recital 36
- inserted Recital 37
- inserted Recital 38
- inserted Recital 39
- inserted Recital 40
- inserted Recital 41
- inserted Recital 42
- inserted Recital 43
- inserted Recital 44
- inserted Recital 45
- inserted Recital 46
- inserted Recital 47
- inserted Recital 48
- inserted Recital 49
- inserted Recital 50
- inserted Recital 51
- inserted Recital 52
- inserted Recital 53
- inserted Recital 54
- inserted Recital 55
- inserted Recital 56
- inserted Recital 57
- inserted Recital 58
- inserted Recital 59
- inserted Recital 60
- inserted Recital 61
- inserted Recital 62
- inserted Recital 63
- inserted Recital 64
- inserted Recital 65
- inserted Recital 66
- inserted Recital 67
- inserted Recital 68
- inserted Recital 69
- inserted Recital 70
- inserted Recital 71
- inserted Recital 72
- inserted Recital 73
- inserted Recital 74
- inserted Recital 75
- inserted Recital 76
- inserted Recital 77
- inserted Recital 78
- inserted Recital 79
- inserted Recital 80
- inserted Recital 81
- inserted Recital 82
- inserted Recital 83
- inserted Recital 84
- inserted Recital 85
- inserted Preamble
- inserted Annex I - CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC)
- inserted Annex II - EUROPEAN STANDARDISED INFORMATION SHEET (ESIS)
- inserted Annex III - MINIMUM KNOWLEDGE AND COMPETENCE REQUIREMENTS