Preamble
Recitals 85
Chapter 1 - SUBJECT MATTER, SCOPE, DEFINITIONS AND COMPETENT AUTHORITIES (Article 1-5) 5
Chapter 2 - FINANCIAL EDUCATION (Article 6) 1
Chapter 3 - CONDITIONS APPLICABLE TO CREDITORS, CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 7-9) 3
Chapter 4 - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 10-16) 7
Chapter 5 - ANNUAL PERCENTAGE RATE OF CHARGE (Article 17) 1
Chapter 6 - CREDITWORTHINESS ASSESSMENT (Article 18-20) 3
Chapter 7 - DATABASE ACCESS (Article 21) 1
Chapter 8 - ADVISORY SERVICES (Article 22) 1
Chapter 9 - FOREIGN CURRENCY LOANS AND VARIABLE RATE LOANS (Article 23-24) 2
Chapter 10 - SOUND EXECUTION OF CREDIT AGREEMENTS AND RELATED RIGHTS (Article 25-28) 4
Chapter 11 - REQUIREMENTS FOR ESTABLISHMENT AND SUPERVISION OF CREDIT INTERMEDIARIES AND APPOINTED REPRESENTATIVES (Article 29-34) 6
Chapter 12 - ADMISSION AND SUPERVISION OF NON-CREDIT INSTITUTIONS (Article 35) 1
Chapter 13 - COOPERATION BETWEEN COMPETENT AUTHORITIES OF DIFFERENT MEMBER STATES (Article 36-37) 2
Chapter 14 - FINAL PROVISIONS (Article 38-50) 13
Annexes 3
Amending acts 2
- Directive (EU) 2021/2167from 30/12/2023
- Benchmark Regulation (BMR)from 01/01/2018

Creditworthiness assessment

Uses as of 28/08/2017

Definitions over time (1)

20/03/2014 – 01/01/2018 applies on 28/08/2017 Article 4, Mortgage Credit Directive Scope: Whole act

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

‘Creditworthiness assessment’ means the evaluation of the prospect for the debt obligation resulting from the credit agreement to be met.

Each has its own scope, dates and uses. Open one to see when it applies.