What changes on 19/11/2023
The text in force from 04/01/2011 compared with the text from 19/11/2023.
153 inserted
0 amended
0 deleted
0 moved
Read the act as of 19/11/2023 · other versions:
Chapter I
- inserted Article 1 - Subject matter
- inserted Article 2 - Scope
- inserted Article 3 - Definitions
- inserted Article 4 - Conversion of amounts expressed in euro into national currency
- inserted Article 5 - Obligation to provide information free of charge to consumers
- inserted Article 6 - Non-discrimination
Chapter II
- inserted Article 7 - Advertising and marketing of credit agreements
- inserted Article 8 - Standard information to be included in advertising of credit agreements
- inserted Article 9 - General information
- inserted Article 10 - Pre-contractual information
- inserted Article 11 - Pre-contractual information with regard to credit agreements referred to in Article 2(6) or (7)
- inserted Article 12 - Adequate explanations
- inserted Article 13 - Personalised offers on the basis of automated processing
Chapter III
- inserted Article 14 - Tying and bundling practices
- inserted Article 15 - Inferred agreement for the conclusion of any credit agreement or the purchase of ancillary services
- inserted Article 16 - Advisory services
- inserted Article 17 - Ban on unsolicited granting of credit
Chapter IV
- inserted Article 18 - Obligation to assess the creditworthiness of the consumer
- inserted Article 19 - Databases
Chapter V
- inserted Article 20 - Form of the credit agreement
- inserted Article 21 - Information to be included in the credit agreement
Chapter VI
- inserted Article 22 - Information regarding the modification of the credit agreement
- inserted Article 23 - Changes in the borrowing rate
Chapter VII
- inserted Article 24 - Overdraft facilities
- inserted Article 25 - Overrunning
Chapter VIII
- inserted Article 26 - Right of withdrawal
- inserted Article 27 - Linked credit agreements
- inserted Article 28 - Open-end credit agreements
- inserted Article 29 - Early repayment
Chapter IX
- inserted Article 30 - Calculation of the annual percentage rate of charge
- inserted Article 31 - Measures to limit borrowing rates, annual percentage rates of charge or total costs of credit to the consumer
Chapter X
- inserted Article 32 - Conduct of business obligations when providing credit to consumers
- inserted Article 33 - Knowledge and competence requirements for staff
Chapter XI
- inserted Article 34 - Financial education
- inserted Article 35 - Arrears and forbearance measures
- inserted Article 36 - Debt advisory services
Chapter XII
- inserted Article 37 - Admission, registration and supervision of non-credit institutions and non-payment institutions
- inserted Article 38 - Specific obligations for credit intermediaries
Chapter XIII
Chapter XIV
- inserted Article 41 - Competent authorities
Chapter XV
- inserted Article 42 - Level of harmonisation
- inserted Article 43 - Imperative nature of this Directive
- inserted Article 44 - Penalties
- inserted Article 45 - Exercise of the delegation
- inserted Article 46 - Review and monitoring
- inserted Article 47 - Repeal and transitional provisions
- inserted Article 48 - Transposition
- inserted Article 49 - Entry into force
- inserted Article 50 - Addressees
Outside any heading
- inserted Recital 1
- inserted Recital 2
- inserted Recital 3
- inserted Recital 4
- inserted Recital 5
- inserted Recital 6
- inserted Recital 7
- inserted Recital 8
- inserted Recital 9
- inserted Recital 10
- inserted Recital 11
- inserted Recital 12
- inserted Recital 13
- inserted Recital 14
- inserted Recital 15
- inserted Recital 16
- inserted Recital 17
- inserted Recital 18
- inserted Recital 19
- inserted Recital 20
- inserted Recital 21
- inserted Recital 22
- inserted Recital 23
- inserted Recital 24
- inserted Recital 25
- inserted Recital 26
- inserted Recital 27
- inserted Recital 28
- inserted Recital 29
- inserted Recital 30
- inserted Recital 31
- inserted Recital 32
- inserted Recital 33
- inserted Recital 34
- inserted Recital 35
- inserted Recital 36
- inserted Recital 37
- inserted Recital 38
- inserted Recital 39
- inserted Recital 40
- inserted Recital 41
- inserted Recital 42
- inserted Recital 43
- inserted Recital 44
- inserted Recital 45
- inserted Recital 46
- inserted Recital 47
- inserted Recital 48
- inserted Recital 49
- inserted Recital 50
- inserted Recital 51
- inserted Recital 52
- inserted Recital 53
- inserted Recital 54
- inserted Recital 55
- inserted Recital 56
- inserted Recital 57
- inserted Recital 58
- inserted Recital 59
- inserted Recital 60
- inserted Recital 61
- inserted Recital 62
- inserted Recital 63
- inserted Recital 64
- inserted Recital 65
- inserted Recital 66
- inserted Recital 67
- inserted Recital 68
- inserted Recital 69
- inserted Recital 70
- inserted Recital 71
- inserted Recital 72
- inserted Recital 73
- inserted Recital 74
- inserted Recital 75
- inserted Recital 76
- inserted Recital 77
- inserted Recital 78
- inserted Recital 79
- inserted Recital 80
- inserted Recital 81
- inserted Recital 82
- inserted Recital 83
- inserted Recital 84
- inserted Recital 85
- inserted Recital 86
- inserted Recital 87
- inserted Recital 88
- inserted Recital 89
- inserted Recital 90
- inserted Recital 91
- inserted Recital 92
- inserted Recital 93
- inserted Recital 94
- inserted Recital 95
- inserted Recital 96
- inserted Recital 97
- inserted Recital 98
- inserted Preamble
- inserted Annex I
- inserted Annex II
- inserted Annex III
- inserted Annex IV