Mortgage Credit Directive
20/03/2014 → 01/01/2018: 0 inserted · 0 removed · 44 amended · 0 moved · 3 renamed · 95 unchanged
Position-only shifts inside the same heading are not changes. Amended = the printed text changed.
Preamble
Preamble · 1 unchanged
Recitals
Recitals · 85 unchanged
Recital 1 · Recital 2 · Recital 3 · Recital 4 · Recital 5 · Recital 6 · Recital 7 · Recital 8 · Recital 9 · Recital 10 · Recital 11 · Recital 12 · Recital 13 · Recital 14 · Recital 15 · Recital 16 · Recital 17 · Recital 18 · Recital 19 · Recital 20 · Recital 21 · Recital 22 · Recital 23 · Recital 24 · Recital 25 · Recital 26 · Recital 27 · Recital 28 · Recital 29 · Recital 30 · Recital 31 · Recital 32 · Recital 33 · Recital 34 · Recital 35 · Recital 36 · Recital 37 · Recital 38 · Recital 39 · Recital 40 · Recital 41 · Recital 42 · Recital 43 · Recital 44 · Recital 45 · Recital 46 · Recital 47 · Recital 48 · Recital 49 · Recital 50 · Recital 51 · Recital 52 · Recital 53 · Recital 54 · Recital 55 · Recital 56 · Recital 57 · Recital 58 · Recital 59 · Recital 60 · Recital 61 · Recital 62 · Recital 63 · Recital 64 · Recital 65 · Recital 66 · Recital 67 · Recital 68 · Recital 69 · Recital 70 · Recital 71 · Recital 72 · Recital 73 · Recital 74 · Recital 75 · Recital 76 · Recital 77 · Recital 78 · Recital 79 · Recital 80 · Recital 81 · Recital 82 · Recital 83 · Recital 84 · 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 46 - Amendment of Directive 2008/48/EC Chapter 14
- amended Article 48 - Amendment of Regulation (EU) No 1093/2010 Chapter 14
Chapter 14 · 4 unchanged
Annexes
- amendedrenamed Annex I - CALCULATION OF THE ANNUAL PERCENTAGE RATE OF CHARGE (APRC) was “Annex I”
- amendedrenamed Annex II - EUROPEAN STANDARDISED INFORMATION SHEET (ESIS) was “Annex II”
- amendedrenamed Annex III - MINIMUM KNOWLEDGE AND COMPETENCE REQUIREMENTS was “Annex III”