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Preamble
Recitals 98
Chapter I - GENERAL PROVISIONS (Article 1-6) 6
Chapter II - INFORMATION TO BE PROVIDED PRIOR TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 7-13) 7
Chapter III - TYING AND BUNDLING PRACTICES, INFERRED AGREEMENT, ADVISORY SERVICES AND UNSOLICITED GRANTING OF CREDIT (Article 14-17) 4
Chapter IV - ASSESSMENT OF CREDITWORTHINESS AND DATABASE ACCESS (Article 18-19) 2
Chapter V - FORM AND CONTENT OF CREDIT AGREEMENTS (Article 20-21) 2
Chapter VI - MODIFICATIONS OF THE CREDIT AGREEMENT AND CHANGES IN THE BORROWING RATE (Article 22-23) 2
Chapter VII - OVERDRAFT FACILITIES AND OVERRUNNING (Article 24-25) 2
Chapter VIII - WITHDRAWAL, TERMINATION AND EARLY REPAYMENT (Article 26-29) 4
Chapter IX - ANNUAL PERCENTAGE RATE OF CHARGE AND MEASURES TO LIMIT RATES AND COSTS (Article 30-31) 2
Chapter X - CONDUCT OF BUSINESS OBLIGATIONS AND REQUIREMENTS FOR STAFF (Article 32-33) 2
Chapter XI - FINANCIAL EDUCATION AND SUPPORT TO CONSUMERS IN FINANCIAL DIFFICULTIES (Article 34-36) 3
Chapter XII - CREDITORS AND CREDIT INTERMEDIARIES (Article 37-38) 2
Chapter XIII - ASSIGNMENTS OF RIGHTS AND DISPUTE RESOLUTION (Article 39-40) 2
Chapter XIV - COMPETENT AUTHORITIES (Article 41) 1
Chapter XV - FINAL PROVISIONS (Article 42-50) 9
Annexes 4
- Annex I
- Annex II
- Annex III
- Annex IV

Article 5 - Obligation to provide information free of charge to consumers

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Article 5

Obligation to provide information free of charge to consumers

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Member States shall require that, when information is provided to consumers in accordance with this Directive, such information is provided without charge to the consumer regardless of the media used to provide it.

Official text · the act as published Open full page ↗