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Consumer Credit Directive

Preamble
Recitals 51
Chapter I - SUBJECT MATTER, SCOPE AND DEFINITIONS (Article 1-3) 3
Chapter II - INFORMATION AND PRACTICES PRELIMINARY TO THE CONCLUSION OF THE CREDIT AGREEMENT (Article 4-8) 5
Chapter III - DATABASE ACCESS (Article 9) 1
Chapter IV - INFORMATION AND RIGHTS CONCERNING CREDIT AGREEMENTS (Article 10-18) 11
Chapter V - ANNUAL PERCENTAGE RATE OF CHARGE (Article 19) 1
Chapter VI - CREDITORS AND CREDIT INTERMEDIARIES (Article 20-21) 2
Chapter VII - IMPLEMENTING MEASURES (Article 22-28) 7
Chapter VIII - TRANSITIONAL AND FINAL PROVISIONS (Article 29-32) 4
Annexes 3
Amending acts 5

annual percentage rate of charge

Definitions over time (1)

01/01/2018 – 26/07/2019 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);

Other definitions of this term in this act (1)

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

Article 3(i)

Earlier definition records in this act (1)

Open an entry to see its definitions, dates and uses. Separate scopes and histories are kept intact.

Article 3(i) Historical · definitions end 21/06/2008

Used in (0 places in 0 provisions on 12/11/2026)

No text uses this concept on 12/11/2026.