annual percentage rate of charge

Defined in Article 3, Consumer Credit Directive

Definitions over time (2)

1. 26/07/2019 – today applies on 12/11/2026 Article 3, Consumer Credit Directive Scope: Whole act

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

   ‘annual percentage rate of charge’ means the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit, where applicable including the costs referred to in Article 19(2);

2. 21/06/2008 – 01/01/2018 Article 3, Consumer Credit Directive Scope: Whole act

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

   ‘annual percentage rate of charge’ means the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit, where applicable including the costs referred to in Article 19(2);

Used in (34 places in 14 provisions on 12/11/2026)

Consumer Credit Directive (34 in 14)

Recital 19² · Recital 43² · Recital 49 · Article 2² · Article 3 · Article 4⁴ · Article 5³ · Article 6² · Article 10³ · Article 19⁸ · Article 21 · Annex I³ · Annex II · Annex III