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

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New version applies from 20/03/2014. 129 provisions change. Later versions: 01/01/2018, 30/12/2023.

Mortgage Credit Directive

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Official text · consolidated version 28/02/2014 (no longer in force)