What changes on 20/03/2014

The text in force from 28/02/2014 compared with the text from 20/03/2014.

Read the act as of 20/03/2014 · other versions: 01/01/2018 · 30/12/2023

Chapter 1

• amended Article 2 - Level of harmonisation
• amended Article 3 - Scope
• amended Article 4 - Definitions
• amended Article 5 - Competent authorities

Chapter 2

• amended Article 6 - Financial education of consumers

Chapter 3

• amended Article 7 - Conduct of business obligations when providing credit to consumers
• amended Article 9 - Knowledge and competence requirements for staff

Chapter 4

• amended Article 11 - Standard information to be included in advertising
• amended Article 12 - Tying and bundling practices
• amended Article 13 - General information
• amended Article 14 - Pre-contractual information
• amended Article 15 - Information requirements concerning credit intermediaries and appointed representatives
• amended Article 16 - Adequate explanations

Chapter 5

• amended Article 17 - Calculation of the APRC

Chapter 6

• amended Article 18 - Obligation to assess the creditworthiness of the consumer
• amended Article 19 - Property valuation
• amended Article 20 - Disclosure and verification of consumer information

Chapter 7

• amended Article 21 - Database access

Chapter 8

• amended Article 22 - Standards for advisory services

Chapter 9

• amended Article 23 - Foreign currency loans
• amended Article 24 - Variable rate credits

Chapter 10

• amended Article 25 - Early repayment
• amended Article 26 - Flexible and reliable markets
• amended Article 27 - Information concerning changes in the borrowing rate
• amended Article 28 - Arrears and foreclosure

Chapter 11

• amended Article 29 - Admission of credit intermediaries
• amended Article 30 - Credit intermediaries tied to only one creditor
• amended Article 31 - Appointed representatives
• amended Article 32 - Freedom of establishment and freedom to provide services by credit intermediaries
• amended Article 33 - Withdrawal of admission of credit intermediaries
• amended Article 34 - Supervision of credit intermediaries and appointed representatives

Chapter 13

• amended Article 36 - Obligation to cooperate

Chapter 14

• amended Article 38 - Sanctions
• amended Article 39 - Dispute resolution mechanisms
• amended Article 40 - Exercise of the delegation
• amended Article 41 - Imperative nature of this Directive
• amended Article 42 - Transposition
• amended Article 43 - Transitional provisions
• amended Article 44 - Review clause
• amended Article 48 - Amendment of Regulation (EU) No 1093/2010

Outside any heading

• 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
• amended Recital 52
• amended Recital 53
• amended Recital 54
• amended Recital 55
• amended Recital 56
• amended Recital 57
• amended Recital 58
• amended Recital 59
• amended Recital 60
• amended Recital 61
• amended Recital 62
• amended Recital 63
• amended Recital 64
• amended Recital 65
• amended Recital 66
• amended Recital 67
• amended Recital 68
• amended Recital 69
• amended Recital 70
• amended Recital 71
• amended Recital 72
• amended Recital 73
• amended Recital 74
• amended Recital 75
• amended Recital 76
• amended Recital 77
• amended Recital 78
• amended Recital 79
• amended Recital 80
• amended Recital 81
• amended Recital 82
• amended Recital 83
• amended Recital 84
• amended Recital 85
• amended Preamble
• amended Annex I
• amended Annex II
• amended Annex III