◷
New version applies from 01/01/2018 — introduced by Benchmark Regulation (BMR).
44 provisions change.
Later versions: 30/12/2023.
Mortgage Credit Directive
28/02/2014 → 20/03/2014: 0 inserted · 0 removed · 129 amended · 0 moved · 3 renamed · 10 unchanged
Position-only shifts inside the same heading are not changes. Amended = the printed text changed.
Preamble
- amended Preamble
Recitals
- 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
Chapter 1 - SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES
- amended Article 2 - Level of harmonisation Chapter 1
- amended Article 3 - Scope Chapter 1
- amended Article 4 - Definitions Chapter 1
- amended Article 5 - Competent authorities Chapter 1
Chapter 1 · 1 unchanged
Chapter 2 - FINANCIAL EDUCATION
- amended Article 6 - Financial education of consumers Chapter 2
Chapter 3 - CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
- amended Article 7 - Conduct of business obligations when providing credit to consumers Chapter 3
- amended Article 9 - Knowledge and competence requirements for staff Chapter 3
Chapter 3 · 1 unchanged
Chapter 4 - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT
- amended Article 11 - Standard information to be included in advertising Chapter 4
- amended Article 12 - Tying and bundling practices Chapter 4
- amended Article 13 - General information Chapter 4
- amended Article 14 - Pre-contractual information Chapter 4
- amended Article 15 - Information requirements concerning credit intermediaries and appointed representatives Chapter 4
- amended Article 16 - Adequate explanations Chapter 4
Chapter 4 · 1 unchanged
Chapter 5 - ANNUAL PERCENTAGE RATE OF CHARGE
- amended Article 17 - Calculation of the APRC Chapter 5
Chapter 6 - CREDITWORTHINESS ASSESSMENT
- amended Article 18 - Obligation to assess the creditworthiness of the consumer Chapter 6
- amended Article 19 - Property valuation Chapter 6
- amended Article 20 - Disclosure and verification of consumer information Chapter 6
Chapter 7 - DATABASE ACCESS
- amended Article 21 - Database access Chapter 7
Chapter 8 - ADVISORY SERVICES
- amended Article 22 - Standards for advisory services Chapter 8
Chapter 9 - FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS
- amended Article 23 - Foreign currency loans Chapter 9
- amended Article 24 - Variable rate credits Chapter 9
Chapter 10 - SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS
- amended Article 25 - Early repayment Chapter 10
- amended Article 26 - Flexible and reliable markets Chapter 10
- amended Article 27 - Information concerning changes in the borrowing rate Chapter 10
- amended Article 28 - Arrears and foreclosure Chapter 10
Chapter 11 - REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES
- amended Article 29 - Admission of credit intermediaries Chapter 11
- amended Article 30 - Credit intermediaries tied to only one creditor Chapter 11
- amended Article 31 - Appointed representatives Chapter 11
- amended Article 32 - Freedom of establishment and freedom to provide services by credit intermediaries Chapter 11
- amended Article 33 - Withdrawal of admission of credit intermediaries Chapter 11
- amended Article 34 - Supervision of credit intermediaries and appointed representatives Chapter 11
Chapter 12 - ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS
Chapter 12 · 1 unchanged
Chapter 13 - COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES
- amended Article 36 - Obligation to cooperate Chapter 13
Chapter 13 · 1 unchanged
Chapter 14 - FINAL PROVISIONS
- amended Article 38 - Sanctions Chapter 14
- amended Article 39 - Dispute resolution mechanisms Chapter 14
- amended Article 40 - Exercise of the delegation Chapter 14
- amended Article 41 - Imperative nature of this Directive Chapter 14
- amended Article 42 - Transposition Chapter 14
- amended Article 43 - Transitional provisions Chapter 14
- amended Article 44 - Review clause Chapter 14
- amended Article 48 - Amendment of Regulation (EU) No 1093/2010 Chapter 14
Chapter 14 · 5 unchanged
Article 45 · Article 46 · Article 47 · Article 49 · Article 50