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Mortgage Credit Directive

Preamble
Recitals 85
Chapter 1 - SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES (Article 1-5) 5
Chapter 2 - FINANCIAL EDUCATION (Article 6) 1
Chapter 3 - CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 7-9) 3
Chapter 4 - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 10-16) 7
Chapter 5 - ANNUAL PERCENTAGE RATE OF CHARGE (Article 17) 1
Chapter 6 - CREDITWORTHINESS ASSESSMENT (Article 18-20) 3
Chapter 7 - DATABASE ACCESS (Article 21) 1
Chapter 8 - ADVISORY SERVICES (Article 22) 1
Chapter 9 - FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS (Article 23-24) 2
Chapter 10 - SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS (Article 25-28) 4
Chapter 11 - REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 29-34) 6
Chapter 12 - ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS (Article 35) 1
Chapter 13 - COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES (Article 36-37) 2
Chapter 14 - FINAL PROVISIONS (Article 38-50) 13
Annexes 3
Amending acts 2
- Directive (EU) 2021/2167from 30/12/2023
- Benchmark Regulation (BMR)from 01/01/2018

What changes on 01/01/2018

The text in force from 20/03/2014 compared with the text from 01/01/2018, which includes the changes made by Benchmark Regulation (BMR).

0 inserted

44 amended

0 deleted

0 moved

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

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

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

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 46 - Amendment of Directive 2008/48/EC
amended Article 48 - Amendment of Regulation (EU) No 1093/2010

Outside any heading