Products Coverage Library Evals FAQ About Contact us Log In Get access

Directive (EU) 2023/2225 (CCD2)

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

creditor

Defined in Article 3, Directive (EU) 2023/2225 (CCD2)

Definitions over time (1)

19/11/2023 – today applies on 12/11/2026 Article 3, Directive (EU) 2023/2225 (CCD2) Scope: Whole act

For the purposes of this Directive, the following definitions apply:

‘creditor’ means a natural or legal person who grants or promises to grant credit in the course of that person’s trade, business or profession;

Used in (305 places in 85 provisions on 12/11/2026)

Directive (EU) 2023/2225 (CCD2) (305 in 85)

Recital 6 · Recital 13² · Recital 14 · Recital 15 · Recital 16 · Recital 21² · Recital 22⁴ · Recital 26 · Recital 27 · Recital 30 · Recital 31 · Recital 32 · Recital 33⁴ · Recital 34 · Recital 38² · Recital 39 · Recital 41² · Recital 42 · Recital 43² · Recital 44 · Recital 45³ · Recital 46² · Recital 47³ · Recital 50³ · Recital 51 · Recital 52 · Recital 53⁴ · Recital 54 · Recital 55 · Recital 56 · Recital 57⁶ · Recital 58² · Recital 61 · Recital 62 · Recital 63² · Recital 68 · Recital 69³ · Recital 70⁷ · Recital 71 · Recital 76² · Recital 77⁵ · Recital 79⁷ · Recital 80 · Recital 81³ · Recital 82 · Recital 83 · Recital 86² · Recital 88 · Article 2² · Article 3¹² · Article 9⁴ · Article 10²⁰ · Article 11¹¹ · Article 12 · Article 13 · Article 14⁵ · Article 15 · Article 16¹² · Article 18¹⁷ · Article 19⁵ · Article 21³ · Article 22 · Article 23⁸ · Article 24¹⁰ · Article 25⁷ · Article 26⁸ · Article 27² · Article 28³ · Article 29⁸ · Article 30² · Article 31 · Article 32⁸ · Article 33³ · Article 35⁷ · Article 36² · Article 37³ · Article 38² · Article 39⁴ · Article 40 · Article 41 · Article 42 · Article 46 · Annex I¹⁶ · Annex II¹³ · Annex III